davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AZ)

I have contacted Flagstar Bank several times this year of 2021 in regards to Flagstar Bank reporting inaccurate information on all three of my credit report this inaccurate information is affecting my credit score. I was told by many of Flagstar Bank Customer service rep & managers that it is not anything they can do to correct any errors or move any money in my account to reflect corrected amounts of payments I have made or dates of when payments were made on my behalf, in due to issue being over 60 days old I was unable to challenge this inaccurate information then I was told I should have called about these items then it was too late to correct their wrongdoings now. in that, they do not have to remove or correct any errors on their behalf they stated that they also can see that I have tried to dispute some of the accounts but only two payments were correct on my XXXX  credit report only # 6 late payments still stays as of today with XXXX  credit report. My XXXX, XXXX  credit reports are also showing # 7 Late payments which this information is not true or accurate.
Consumer complaint received 2021-08-21
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. (AZ)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$620.00}. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$680.00}. 

ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$1100.00}. 

ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$0.00}.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT / XXXX # XXXX DPT/ XXXX  # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX mi XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2021-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (OH)

Fraudulent activity on my account, missing {$580.00} that was not authorized, by me.I called the company, to report the unauthorized activity, on XX/XX/2019. Company informed me, they could not stop the transaction in the middle of it happening, and to call back in 5 days.I then called them back in 5 days, on XX/XX/2019. I said, " I enjoyed the XXXX XXXX  music, while on hold, but want to authorize them to file a dispute, with whoever it was that took money from my account, without my authorization.I was told that they could not hear me. I know I was being heard, nothing was wrong with my phone. They said, since they could not hear my response of authorization, to have a nice day, and hung up on me. The company name, is as followed ; XXXX XXXX @ XXXX. I spoke with, customer service, representative. Thank you for your attention to this matter.
Consumer complaint received 2021-08-21
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. (IL)

I disputed this public record reporting in error and asked for an investigation, verification, and deletion over 6 months ago. The Credit Bureaus have NOT provided verification per the FCRA and falsely stated that the courts verified this public record, however, enclosed in a letter from the courts stating that they DO NOT verify anything with the credit bureaus.
Consumer complaint received 2021-08-21
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. (FL)

Someone other myself XXXX XXXX XXXX XXXX has tried obtaining credit in my name which I have not authorized and the inquiries need to be removed for the accounts which someone has tried to obtain credit for thank you
Consumer complaint received 2021-08-21
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. (NY)

[ RE : remove all inquiries from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ someone pulled my credit report without my permission. it was 18 hard pulls without my permission on XXXX, Equifax, and XXXX  XXXX Inquiry from XX/XX/XXXX Bank Procred Inquiry from XXXX XXXX, XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank Please block and remove this information from my credit report, according to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX See attachment from equifax please remove all fcra 605 b
Consumer complaint received 2021-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

I have been garnished for 6 years at XXXX $ from my social security benefits monthly. My original debt was XXXX XXXX I did the math recently and came up with XXXX $ back in XXXX. The collection agency in charge of my debt. Has out of that number taken XXXX $ in fees with XXXX roughly going to the actual debt. I checked the max amount they can legally take is 40 % of the original debt. According to mine and theirs math they have taken 90 % of my original debt in fees. I am XXXX and I am pretty sure what they are doing is illegal. I would like to have the rest of my student loan debt discharged seeing as how they have already taken almost the entire amount of my debt in fees, and I AM XXXX!
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VA)

This letter is regarding account # XXXX, which you claim my account was late 3 times. My Citi CREDIT CARD account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on 2 Credit Bureaus ( XXXX  and XXXX ) and not reporting at all on XXXX. This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Consumer complaint received 2022-10-12
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. (MN)

I was reviewing my Credit Report and noticed some accounts were violating my rights in accordance with the Fair Credit Reporting Act XXXX. All of these accounts below have violated my rights under 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. 

1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NV)

I was notified by the XXXX and XXXX  credit bureau that I had received a collection ( First time ever ). The company that put this item on my credit report ( Without any prior notice ) is named Plusfour.Inc. I have not received any notification from this company and do not know where or how they got my information. 
After reviewing the collection on both XXXX and XXXX  I found several inconsistencies. 
The first one is the company claims their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. However, the collection that was reported on XXXX  was listed under a XXXX XXXX ( XXXX  ) located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NV, XXXX. I found the company to have minimal contact information online as well as in their collections that were put on my report. 
The company in questions has many consumer complaints against them from fraudulent claims. I believe this is another case to be consider fraud until they can send me information regarding the collection, as I have medical insurance that covers my medical bills. From what it seems it is a supposed " XXXX bill '' with no date of service to be included in the collection whatso ever.
Consumer complaint received 2019-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I took out an installment loan of XXXX from XXXX. After speaking with XXXX XXXX XXXX indicates XXXX explained the loan process and fees correctly to me. That is a lie and they said they have recorded information they refuse to let me hear the recording. 

They scammed me into a loan that XXXX stated was only 35 % interest but it is 101 % interest. So I made my first payment of {$480.00}. Only to find out {$0.00} went to the principle so they can pull {$41000.00} out of my pocket in 7 years is illegal. They state they are a licensed lender and exempt from the Usery Law but can take {$47000.00}?? 

They will not get {$47000.00} from me. 

I have received two letters from XXXX stating a pay off plan. To pay 13 Months of {$580.00} per month which will cause serious financial hardship. They are refusing to work with me but reporting non-payments to the credit bureaus damaging my credit rating. They are loan sharks trying to steal money from people in a get rich scheme. 

They have illegally called my work and also risking me losing my job by contacting me via XXXX from a ( XXXX ) XXXX number. They contacted me illegally on my XXXX XXXX # XXXX, and a grand total of 16 times. I have tried to report this to the FTC Sentinel Network but they have indicated it has to go through the CFPB.
Consumer complaint received 2021-08-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc. (SC)

I opened a Coinbase account in XXXX with XXXX as a ID username and password. I started using the XXXX XXXX in XX/XX/XXXX using a pin code and facial recognition XXXX. I completed all of the XXXX information using drivers license, debit card, ssc, birthdate and phone #. I purchased several $ XXXX of dollars of crypto currencies on the Coinbase exchange as an investment. XX/XX/XXXX my access via pin code and facial recognition XXXX was denied leaving my XXXX as my only access to this account. In XXXX of XXXX my XXXX  account had been closed due to hacking. Leaving me no options to access my Coinbase account. 
I have contacted Coinbase to resolve the access to my account thru bank records and the XXXX  that I provided. They say that the ONLY way to access my account was to use the registering email, XXXX that XXXX has permanently deleted. Coinbase has not provide me with an alternative resolution to establish my identity and has blocked my communicating email of XXXX. I believe that email as an XXXX  is the most vulnerable of securities in terms of financial services. I am deeply disappointed in Coinbase and their lack of care with customer complaints, account handling and access given the XXXX, know your customer, steps needed to establish an account. Coinbase has no communication thru phone or email. XXXX no longer works and my email XXXX has been blocked from this server.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

My Chase Sapphire Preferred Card is punishing me with an APR of 24.99 %. I called up and got unfriendly and nasty client reps who were not able to work with me on the APR. I have no bankruptcies, liens or foreclosures. Chase says there's nothing that can be done. You mean we can land a man on the moon, but you can't input a new APR? Hmm ... .Seems unacceptable to me. I will not stop making a fuss about this. Chase needs to lower my APR significantly. This is absurd.
Consumer complaint received 2019-01-30
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. (GA)

I told Equifax, XXXX, and XXXX  that someone had stolen my purse and belongings from the above listed place of business in the lobby waiting area some years back and I asked Equifax, XXXX, and XXXX  to block the information and they refused to remove all of the fraudulent accounts. I was unaware that they used my information to open accounts and made inquiries on my credit report until recently. 
Where I'm from, I was never really taught anything about credit until recently so I never had a reason to check my credit report. So now that I've checked it I've come to the realization that due to my belongings being stolen I became a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XX/XX/XXXX - {$11000.00} XXXX   XXXX XXXX ( XXXX  ) - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX ( MEDICAL ) -  XXXX XXXX XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2021-08-21
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. (AL)

On XX/XX/2021, I sent all three credit reporting agencies a letter about the inaccuracies on my credit profile. It is now XX/XX/2021, and I have not received any results. It has been a total of 4 months with no results. I believe there was a misuse of my credit profile. I sent them all the information they needed, ID, Social Security card, and proof of address. The incorrect information on my credit profile is holding me back from moving forward in life. I can't get a house or credit card due to this. I have done all I can do. please help me
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (VA)

This letter is regarding account # XXXX, which you claim my account has 23 late payments with Ally Financial. Please update this account to CURRENT AND PAID on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX