davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

PROBLEM XXXX XXXX is planning on selling our home even thou we are working with XXXX ID XXXX " XXXX XXXX XXXX XXXX XXXX '' on a loan modification and representatives at XXXX have told us that we are currently under revue, however XXXX XXXX does n't seem to care about that and are still pushing hard for a foreclosure. I believe that they are violating California Home Owners Bill of Rights.
Consumer complaint received 2018-06-05
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. (IL)

The company has responded that it is still working on your issue and my credit score dropPed 70 points cause i reported this to CFBP?
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (OH)

XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX  responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FORD MOTOR CREDIT CO. (NY)

I noticed a credit inquiry on my XXXX credit report that i do not recognize and did not authorize i have tried to contact ford motor credit to resolve this and they have not been helpful
Consumer complaint received 2018-01-13
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. (VA)

I have submitted numerous documents and request to XXXX to research this account. I am a victim of fraud by someone who abused a power of attorney. I have provided proof of XXXX, proof from the responsible individual and proof of the abuse of power of attorney and XXXX has consistently tried to hold me responsible for this account. I acknowledge this account was opened in my name and with my information BUT IT WAS NOT WITH MY CONSENT. I have received numerous responses from XXXX saying the creditor validated this debt, and therefore they will not investigate. Please read the documentation, the responsible individual admitted to this act of fraud. I am not responsible and will not be bullied by XXXX into paying a XXXX debt that does not belong to me. I was XXXX at the time and unaware my bank accounts were being used to make payments, I was not aware of any of this until months after it began. I deserve more than a generic response of regurgitated scripts telling me I am liable because it 's in my name. I deserve the right to have the documents REVIEWED AND TAKEN INTO CONSIDERATION! am going to seek legal action if this is n't resolved. 

XXXX, shame on you as a CRA to not conduct an investigation of your own but to constantly request the same documents over again from me and to only to have the same creditor response validate the outcome. WHERE IS THE FAIRNESS. When does personal responsibility come into play as a CRA. I am tired of being victimized by people who are supposed to be protecting me while I 'm XXXX FIGHTING FOR MY, EXCUSE ME OUR COUNTRY ONLY TO COME HOME AND FIGHT WITH THE SAME PEOPLE IM RISKING MY LIFE FOR. This is insane! Not to mention my information being compromised by XXXX as well, I 'm disgusted!
Consumer complaint received 2018-01-13
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. (LA)

I 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense
Consumer complaint received 2023-01-09
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. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$330.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX Balance Owed : {$750.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$9400.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for la

wful accurac y.XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2300.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

XXXX XXXX Balance Owed : {$1700.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2018-01-13
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)

I checked my credit report as of X/XX/2018. Equifax have repeatedly put my older brother 's credit information on my report, and this happened many times before. I have disputed this kind of problem many times now, and I am getting tired of getting the same problem every time. I do n't have this problem with XXXX and XXXX, so why is n't Equifax doing their job?
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

The following loans pasted below are not late and have never been late. I have been a continuous college student since XXXX and XXXX forward to present. All my student loans are deferred in an IBR ( Income Based Repayment ). Nelnet sent mail to an old address when I did update them and whoever the customer service rep was at the time did not update the address. I am requesting all 90 day and 120 day late and all late to be removed from the Nelnet accounts. XXXX is not telling the truth and may be reporting inaccuracies on my credit due to XXXX discrimination because I am a person of XXXX.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (DC)

On XXXX XXXX, I sold XXXX BTC for {$15000.00} on the XXXX cryptocurrency exchange. I then selected to have this money sent to my bank account using ACH. It was to take 3 to 5 business days or 10 total days. It never reached my bank account and there is no trace of it in the XXXX logs. I openned two tickets and have followed up with XXXX most days on this issue. I have called three times to follow up on this issue. Each time they say a specialist is researching it and they will get back to me. I never hear anything. I would like to have my money refunded to me. My XXXX case number is XXXX.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (VT)

In 2014 opened a Chase Amazon credit card account. I never verified the card or used it. When I call chase to close/delete the account they do not recognize the card number or tell me that hey do not have access to the account.
Yet, if I apply for a new Chase Amazon account, Chase sends a letter saying I have one and decline the request.
The clearly have a quality control problem. I want account no. XXXX XXXX XXXX XXXX  closed/deleted/purged forever, and chase provides no method to do that.
Consumer complaint received 2018-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

On XXXX XXXX,2018 I was going through my credit reports and saw a medical bill that i did n't recognize.So what i did i wanted more information about the debt so I faxed company a Validation Letter requiring the things they need to verify the debt.The weeks later the company sent me a bill but they did n't send the other requirements needed to verify the debt.So as of now the debt is not valid and and need to be removed from all reporting credit bureaus.
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

I have XXXX mortgages with Seterus ; I send XXXX separate checks each month. XXXX of XXXX, seterus posted a payment for loan XXXX to loan XXXX ( both checks attached ). I have continued to send two checks each month for these loans ( see attached invoices ). After numerous calls and speaking to supervisors, I was told they can see the problem and they will fix it and notify the credit bureaus of their mistake. This has NOT happened and I am in the mist of buying a house and need this cleared up. Please HELP.
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, I made a recurring payment of {$100.00} to my XXXX XXXX XXXX Credit Card to satisfy my payment due on XX/XX/XXXX. However, the minimum payment amount was actually {$100.00}. I failed to realized that my payment amount had increased after a recent purchase. In late XXXX I received a collection notice stating my account was past due. I called the collections department to confirm they had received my XXXX payment that cleared my bank account two weeks prior to the due date. I was informed of the payment shortage and acknowledged that I failed to adjust my monthly recurring payment after a recent purchase that increased my balance. I stated that I would make a one off payment immediately to bring the account current ( a {$30.00} payment posted to my credit card account on XX/XX/XXXX ). I asked the representative to reverse the {$27.00} late fee as a one time customer service gesture. The representative agreed. On XX/XX/XXXX I logged in to my online account to check the balance for a promotional financing offer that I knew was expiring soon. At that time I noticed that there had been no adjustment made for the {$27.00} late fee that was assessed on XX/XX/XXXX. On XX/XX/XXXX I called customer service to explain the issue and spoke to three different representatives who stated that there was not record of a promise to waive the fee and furthermore they would not be able to reverse the fee. I even requested to have the fee reversed on sheer principle since I 've been a long term customer, have never been late and always pay my promotional financing in full before they expire ; all separate from the fact it 's quite egregious to charge {$27.00} for a {$7.00} partial payment shortage. I was finally transferred to a resolution analyst who stated someone would review and get back to me before XX/XX/XXXX. At this rate, the expense that they 've incurred via several phone calls that were each in excess of 10 minutes and the value of time I 've personally spent - far more than {$27.00} has been exhausted. This issue could have been easily resolved and I 'd be a happy customer with the first call, I 'm ok with the oversight and the need to make a second call but at this point the lack of service is unacceptable.
Consumer complaint received 2021-08-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2018-01-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QuickClick Loans of Illinois, LLC (VA)

I have made over {$1600.00} worth of payments on a {$3000.00} loan as of XX/XX/XXXX, monthly payments of {$300.00} and one month {$400.00} payment. My current balance is over {$3300.00} and I don't feel this is legal. I was informed that my interest rate is 116 % and I have asked for some type of relief and I see know end in sight for this loan.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NV)

I 've been disputing these charges XXXX2008. I contacted the original lender XXXX who was supposed to be working with XXXX XXXX with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.
Consumer complaint received 2018-01-12
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: EQUIFAX, INC. (NJ)

on XXXX XXXX XXXX I applied for XXXX XXXX credit card and I had hard inquiry on Equifax which fine and normal then I found another hard inquiry for same company on XXXX XXXX XXXX I did apply for the credit onetime and I got approved on XXXX XXXX XXXX for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XXXX XXXX XXXX. its from XXXX XXXX for XXXX  credit card cos. thanks
Consumer complaint received 2018-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

Called XXXX XXXX 2018 to close account since I have paid {$2500.00} + financed fees of $ 4000+. Interest 135 %. They lower interest and monthly still owe {$6000.00}.
Consumer complaint received 2018-01-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BTH Management (FL)

There is a collection item from a collection agency called XXXX XXXX XXXX XXXX in the amount of XXXX only on my XXXX credit report. It just started showing up, I have never heard of them and have taken out a payday loan. I tried to dispute it with XXXX and XXXX XXXX, XXXX said they contacted the company and was told it was valid without receiving any type of contract or documentation to verify it, they just took their word. When I contacted XXXX they have no record of the account and told me to file a dispute with XXXX! And XXXX is telling me to contact plaza so I keep getting the run around for a debt that does not belong to me but is hurting my credit.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX I sent XXXX BTC to my coinbase.com account and it showed up as a confirmed transaction in my coinbase account and on the XXXX XXXX, but coinbase has not updated my account balance so I ca n't withdraw my funds. 

I also bought XXXX Bitcoin on XX/XX/XXXX and held through XX/XX/XXXX and did not receive my Bitcoin Cash Transaction : XX/XX/XXXX I contacted Coinbase customer service XX/XX/XXXX and have n't heard back. I reached out to a Coinbase XXXX support team member on XX/XX/XXXX no response. I contacted coinbase on twitter XXXX and XXXX and still heard nothing. 
CASE ID : XXXX
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I attempted to send money from my Coinbase BCH account to my Coinbase USD wallet account. The money disappeared from the BCH account and never showed up in the USD wallet account. There support refuses to reply to my e-mails sent.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life and this is holding me up .. 

Inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

This is the second year Synchrony Bank has automatically switched people to online statements UNLESS you reply to an email. Online statements should ONLY be done at the request rather than forcing customers to opt of online statements and opt in to printed statements. 

This can cause late fees, missed payments and damage to credit histories. It is misleading.
Consumer complaint received 2018-01-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

I sent a dispute letter to Equifax about a chapter XXXX bankruptcy on my credit report. They sent back a letter saying it was verified as accurate. I called XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, AL AT PHONE NUMBER XXXX AND ASKED if EQUIFAX VERIFied A BANKRUPTCY THREW THEM AND THEY INFORMED ME THAT EQUIFAX DID NOT CALL THEM AND IF THEY DO NOT REPORT TO THE CREDIT BUREAUS and they did not give permission to any 3rd party company to release this inaccurate information and it need to be deleted. Equifax is not metro 2 compliant because it is inaccurate information on my report and I have attached a document showing this information. my attachment show Equifax listed a date filed as XX/XX/XXXX. theyl year is only XXXX so how did I file in XXXXthis shows they lied about this reporting and this incorrect reporting need to be deleted.
Consumer complaint received 2017-10-10
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. (CA)

Both XXXX and Equifax removed a past debt that was XXXX in XX/XX/XXXX. Then the debt was placed back on my report without notification stating the account was verified. The 1099 copy has been sent to both parties showing that the debt is void and the continue to leave it on my report. The debt continues to be reported as {$24000.00} owed by both agencies while the 3rd agency has removed it since early XX/XX/XXXX.