davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding  inaccurate accounts on my credit reports, including XXXX XXXX, XXXX/XXXX and  XXXX/XXXX XXXX, accounts that I have never opened ; And inaccurate late payments listed for several accounts, including XXXX XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/and XX/XX/, and XXXX & XX/XX/XXXX ; by sending Method of Verification letters certified mail, return receipt requested to XXXX, TransUnion ; And to XXXX  via the online dispute portal. USPS verified that all my requests were received on XX/XX/XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/XXXX. To date, I have received none. Therefore, I expect all these items will be removed from my credit files immediately. Thank you for your prompt attention to this matter. XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, I have identified fraudulent accounts and inquiries that have appeared on my credit report without my authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following accounts and inquiries from my credit file immediately : Fraudulent Accounts 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-07
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. (CA)

This is my 9th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-25
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off m {$8800.00}
Consumer complaint received 2022-06-14
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. (FL)

In accordance with the Fair Credit Reporting Act, the following have violated my rights. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 2. XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX 3. XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX 4. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 5. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX XXXX SD XXXX 15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

I bought my home 9 years ago with a VA loan from XXXX. The loan was sold to Nation Star and I didn't have a problem then. The loan has since been tranfered to a different part of Nation Star called Mr. Cooper. I can no longer access my documents and mortgage stuff from the XXXX website. 

My biggest problem is the privacy notice that I got. It basically says that they are going to use my personal data for marketing purposes not only with Mr. Cooper but their affiliates. The notice said that there is basically nothing that I can do about this. 

I don't know the law but I always thought that my personal data belonged to me. I never agreed to do business with Mr. Cooper. I bought my loan from XXXX. I don't know the law but I want to know what my rights are and if my personal information has value then why does my mortgage company think that my information belongs to them. 

Is the Privacy Act of 1974 applicable because it is a VA loan? Is there anything similar to the Privacy Act of 1974 that governs civilan companies?
Consumer complaint received 2022-07-18
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. (CA)

I called your department after I purchased a credit report with IXXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTION account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my XXXX XXXX and drivers License are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX , U S DEPT OF EDXXXXL XXXX
Consumer complaint received 2019-04-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

My credit score was XXXX via Experian on my XXXX XXXX site. One day it just dropped over 160 points. Since NO ONE will answer as to who reported my credit card account 120 days late no one will tell however it most certainly was and is a lie. The bank of course has fully backed me up and I have NEVER been close to being late EVER. I filed a dispute was told it would take 30 days within two days they said there " investigation was done '' and l was to look at the results which were nothing. They were nothing because Experian lied plain and simple they NEVER looked into anything including their own site. IF they had looked at their own site where I was listed over 120 days late they would see that that was impossible because they had each and every payment listed and logged but went ahead and lowered my score and refuse to lift it back up. When I call them I can only talk to foreignors who speak only from a script and I get nowhere. But I'm being punished by the auto insurance industry who raised my rates significantly because of the score regardless of my perfect driving record.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I have express mailed my dispute letter, FTC report, and police report to XXXX  at XXXX XXXX  XXXX XXXX, TX XXXX since XX/XX/XXXX regarding a fraudulent account IQ DATA XXXX # XXXX reporting date opened XX/XX/XXXX balance {$10000.00}. I have called XXXX  and opened a dispute with a representative on XX/XX/XXXX after mailing my documents. After calling to check to status of my dispute with XXXX  each time I call XXXX  representative keep reopening new dispute which is prolonging my results on my original disputes. I am requesting a complaint to be forward over to XXXX  fraud department supervisor or higher to combine my disputes with IQ DATA and  complete my results with my original mailed in dispute data as of XX/XX/XXXX FTC report. I have also twice uploaded supporting documentation with Report Number : XXXX Date Generated : XX/XX/XXXX. Please I have called everyday once a day to get help with this fraudulent account IQ data.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/XXXX my checking account at Wells Fargo was hacked. I saw it that day called the bank and filed a report Claim # XXXX amount {$990.00} Reference # XXXX Claim # XXXX amount {$990.00} Reference # XXXX Claim # XXXX amount {$990.00} Reference # XXXX Claim # XXXX amount {$490.00} this amount stated it was a wire transfer for Bit Coin Wells Fargo is saying they will not refund my money The first three claims were a XXXX to a person named XXXX XXXX This person called from phone number XXXX The name XXXX XXXX appeared I was trying to cancel my XXXX XXXX Account and XXXX the phone number. 
These people answered So when Wells Fargo said they will not refund my money I opened an escalated claim with them Claim # XXXX I spoke to XXXX on XX/XX/XXXX at extension XXXX Phone number XXXX She said she will reopen my case but does not expect a positive resolution. 
Wells Fargo is so wrong!!! 
I had a XXXX  yesterday, I work in XXXX XXXX who stated Wells Fargo refused to give her back {$25000.00}. She contacted your agency and received positive resolution Please help me! 
XXXX XXXX XXXX XXXX cell XXXX work Address : XXXX XXXX XXXX. 
Unit XXXX XXXX XXXX Maryland XXXX Last 4 digits of SS XXXX Wells Fargo account XXXX I closed this account and opened a new one on XX/XX/XXXX XXXX
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX ( XXXX ) Account Holder DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -Probate Court Case : XXXX XXXX XXXX XXXX Local Case Number : XXXX Filing Date : XX/XX/XXXX State Case Number : XXXX Judicial Section : XXXX Consolidated Case No. : N/A Case Type : ADMINISTRATION My aunt XXXX XXXX has several account at Wells Fargo. I ( XXXX XXXX ) was listed as Payable Upon Death ( POD ) Beneficiary on two of the accounts. The other bank account was a Sole Owner account. I XXXX XXXX are the sole Personal Representative for the Estate of XXXX XXXX XXXX. I have some serious concerns about Fraudulent Checks written these accounts from XXXX Present. Fraudulent debit cards purchases where also made after my grandmother died. I was never contacted by the bank. I had to fight in probate court to prove I'm the sole inheritor of all my aunts estate. The original valid " Will '' which was in the safe box lists me as the sole Beneficiary. My first cousin XXXX XXXX XXXX Forged Documents, Changed the locks at my aunts property, created counterfeit " Wills '', Altered signatures, ordered debit cards and withdrew large amounts from these accounts. I'm seeking full restitution for all unauthorized transactions and fraudulent purchases. Any Account changes and maintenance to any of my aunts accounts from XX/XX/XXXX or any dates thereafter are fraudulent. She was diagnosed with XXXX XXXX XXXX, she was XXXX and XXXX XXXX. She was not fully XXXX nor willing to make any changes or consent for any Accounts Ownership Changes, Withdrawals, Checks written debit card purchases etc. Her IRA beneficiaries where also changed. I have hired an Handing Writing Expert do advised that my Aunt didn't sign nor write any checks. As a federally regulated bank, i want an investigation opened especially round the time of her death and thereafter, any and all transactions done are to be reversed. No freeze was placed on the accounts to prevent my first cousin from taking funds.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

MidLand Credit Management has been repeatedly sending letters to my home for at least a year now, and has been calling me as well. 

The calls have come in before XXXX XXXX  and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I am a student who suffers from XXXX, and these calls cause me constant XXXX  to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

Midland Credit Management has been repetitiously contacting me via mail and phone with the intent to annoy and harass me. I have received numerous letters ( attached ) - multiple per month. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (GA)

My problem is with Coinbase. They have not given me any information on where my 8,000+ in Bitcoin has gone. I went through their process of self ( no ) help. I got my account back open after having them shut it for fear of a possible scam. There is only a little over XXXX there now. When I look up the section on orders I see activity thats is not mine. Some amounts of transactions are over XXXX. I now think they messed it up when I tried to make a transfer when my bank funds were still on hold. I think they mixed up accounts or something. 
I am sure I dont have to explain how poor this company is in solving these kind of issues.
Consumer complaint received 2022-06-14
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. (FL)

In accordance with the Fair Credit Reporting Act, the following have violated my rights. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 2. XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY. XXXX 3. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 5. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX  XXXX SD XXXX 15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Richmond, Inc. (FL)

Radiology Bill CXXXX XXXX  ( XXXX  ) XXXX XXXX XXXX, XXXX, IN XXXX Radiology and XXXX  XXXX  ( XXXX  ) XXXX, XXXX XXXX XXXX XXXX XXXX called XXXX  and advised this bill was paid by personal check. Provided the check # XXXX, date mailed XX/XX/XXXX and date the check was cashed XX/XX/XXXX in the amount of {$280.00} by med-payment.com. Was told they would look into the issue. 

XX/XX/XXXX XXXX advised my complaint was received an escalation team XXXX advised they need a copy of the front and back of my check. I told XXXX that my bank can not provide me with this as the facility that billed me ( Radiology and XXXX XXXX  at XXXX XXXX XXXX ) processed my check electronically. I provided proof of payment by way of a bank statement showing check # XXXX was cashed by check med-payment.com on XX/XX/XXXX in the amount of {$280.00}. 

XX/XX/XXXX I emailed a complaint letter disputing the debt with proof of payment to XXXX. 
XX/XX/XXXX I called XXXX  and they said my claim is still being reviewed XX/XX/XXXX I mailed my complaint to XXXX with proof of payment XX/XX/XXXX received a voice mail and an email from RI supervisor XXXX XXXX saying they need a copy of the font and back of my check. 
XX/XX/XXXX I responded by re-iterating all of the above XX/XX/XXXX received a call from XXXX at XXXX  asking for copy of front and back of check. Again advised the same thing as above.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Fraudulent account XXXX XXXX XXXX  open XX/XX/2018 Amount XXXX Recent XXXX XXXX XXXX account opened up Fraudulently in my name and authorized by unknown person I had a previous XXXX XXXX account that I had opened and paid account off after I paid account off some how mysteriously another XXXX XXXX XXXXXXXX account have became open in my name that I did not apply for or authorized
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My XXXX XXXX XXXX son opened a XXXX checking account with Capital One. He was the primary account holder. Capital One issued my XXXX XXXX XXXX son a debit card. Capital One has specific guidelines about not allowing a XXXX  to use the account for adult sites and that Capital One would alert the guardian/parent. My XXXX XXXX XXXX son used a XXXX debit issued by Capital One to purchase adult content from XXXX. Capital one never alerted me. My son spent {$2000.00} on XXXX. Capital One violated its own published guidelines for this minor account.
Consumer complaint received 2019-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (FL)

I took over my son 's loan for home improvement with Greensky two years ago. I have been making the payments and my son gave them permission to speak to me regarding the loan. On XX/XX/2019, I called today to change my payment source and they refused to let me, because, although the automatic system recognized my phone number, and Social Security number, and I was able to tell the person my son 's name and his previous address, I do not know his current address. I asked for a manager and spoke to XXXX and he told me the same thing, although I knew everything but my son 's new address, and no matter that the automatic system recognized me, I could not make changes to the payment source. I told them fine, since they have put me through loops for two years and are now refusing my information to continue to receive payments, they would no longer receive any payments from me. Realize that I am not asking them for anything, I am trying to PAY them, and they still will not cooperate. The stupidest people I have ever encountered in my life. Please go on XXXX and see how many more people have complaints like mine. I would like to know how this loan company is allowed to continue in business.
Consumer complaint received 2020-05-16
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. (MS)

On 7 separate dates XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous XXXX tradeline on my Experian and XXXX report to no avail. Even though XXXX successfully removed the erroneous tradeline after 1 request, Experian and XXXX  have failed to do so. I have sent several requests to Experian and XXXX requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are being violated.