davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Steel River Systems, LLC (NJ)

I am disputing a debt with STEEL RIVER SYSTEMS , LLC and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that STEEL RIVER SYSTEMS , LLC has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA.

I am filing this complaint to request assistance from the CFPB in ensuring that STEEL RIVER SYSTEMS , LLC provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

This is the first occurrence of this issue. It is a urgent issue. XXXX I received a new coinbase account and then waited for my self to be authorized and I was 5 days later. Later on I am back to being on review XXXX. Case # XXXX. I got my account locked because I had no choice but to call coinbase. I have an amount of money which is increasing because of a positive growth and I have not been able to do what I wish with my own money. I tried to email many times and never did it fix the issues. Once I was aware of the fact that coinbase is not a trusted company and they have been doing this to many longtime customers then I would like to get my money while Im still in profit and get out! When I sent a long email addressing the issue for the 5th time I said I would contact CFPB and they responded the next day and unlocked my account but did not confirm it is my account. I sent in my drivers license, passport, health card and my face. Thank you!
Consumer complaint received 2019-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I sold my home on XX/XX/2019, The check to XXXX XXXX for the balance of my mortgage was fraudulently deposited into NFCU despite the check being made out to XXXX XXXX. Currently, XXXX XXXX is trying to collect the Mortgage from me as they still have me listed as the Home Owner and it is now affecting my credit report. I have a copy of the check proving this issue.
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MS)

The Company Venmo Locked My Account With {$430.00} on it that I received from XXXX as a refund because I'm a student there. I've been trying to transfer my money from the account since XX/XX/year> and they will not let me and on XX/XX/year> they suspended my account saying that Im in violation of their user agreement. I'm trying to see how is that possible when all I've tried to do is withdraw my funds which they will not allow me to do. Customer service is very horrible and no help I've called them multiple times and can't get the answers I'm looking for. I need help!
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (GA)

I am currently enrolled in a credit counseling and debt consolidation program through XXXX, which Net Credit signed and agreed to, but Net Credit financial solutions continues to report late charges and charge interest to my balance due that is not what they agreed to. It is making my debt and credit score worse, and supervisors are having a difficult time getting communication and compliance from the credit company.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX bank is the servicer for XXXXXXXX XXXX XXXXXXXX credit card, I have never been late and my balance is below {$100.00}, yet they are reporting me 60 days late at all XXXX bureaus and they i owe them upwards of {$400.00}. I was able to speak to a supervisor about the promotional balance and there is a current dispute on the account to fix it but when i stated that comenity was reporting me late at the bureaus, she advised she was unable to fix. would like a call from the company and would like the problem fixed
Consumer complaint received 2021-06-02
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: CITIBANK, N.A. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft CBNA/XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CB/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft CBNA Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX MACYS Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-03-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

My dispute is with Santander Consumer upon repossession of vehicle company refused to accept any of my payments I called around to see what I can do the company still refuse to accept any of my payments I asked the company for information on notice to sell vehicle or location to purchase repossession I was not provided with any of that information to recover my vehicle. I was not given a notice of reinstatement, no notice of sale or location of sale. I called them and still they refused. This is a violation of my rights how can you report to my credit bureau for me to pay for something that I did not have nor expect me to pay when no notices were received. I did not even have an opportunity to purchase my vehicle at auction no notices address or information were given to me. I would like this removed from my credit report for failure to accept my payments and failure to properly advise me of my rights and provide notices.
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

FCO will not remove an apartment rental from my credit report although provided correspondence from the prior leasing office. Also FCO failed to provide copies of actual correspondence from XXXX XXXX XXXX indicating that I do actually owe this debt. FCO only sends an expired and voided lease from XXXX and a ledger even though the email from the leasing office indicates my balance is {$0.00}. Also contacted XXXX XXXX, they confirmed they have sold the property, have sold off debt and no longer the owner of any accounts from XXXX and the past. When I have informed FCO they have ignored the request and updates the collection account as " new '' on my credit report. Due to their actions, my credit has been compromised and led to declination of credit lending.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Comenity bank is the servicer for XXXXXXXX XXXX  XXXX credit card, I have never been late and my balance is below {$100.00}, yet they are reporting me 60 days late at all 3 bureaus and they i owe them upwards of {$400.00}. I was able to speak to a supervisor about the promotional balance and there is a current dispute on the account to fix it but when i stated that comenity was reporting me late at the bureaus, she advised she was unable to fix. would like a call from the company and would like the problem fixed
Consumer complaint received 2022-05-14
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX  account # 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.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (CA)

I subscribe to a credit monitoring service with Experian Credit Bureau. ( 1 ) They notified me that my credit score was lowered from XXXX to XXXX due to a {$75.00} balance on my XXXX XXXX XXXX  credit card and my balance on XXXX declining. The {$75.00} balance which is not delinquent is an annual charge that XXXX XXXX XXXX assesses every year. This has been the case for many years now. I use this account for travel only. Every month I pay off the XXXX Credit Card balance, usually before they calculate the payment which I have done for years now. I don't even recall when my credit score was not in the XXXX range. ( XXXX ) In XXXX I paid off my auto loan with XXXX XXXX XXXX XXXX months before the maturity date. Never late. I was notified by Experian after paying off the loan that was reported paid as agreed that my credit score descreased XXXX points from XXXX to XXXX. I have always paid my debt in a timely manner including mortgage loans, credit card accounts and auto loans. I am in my seventies so I don't need to secure additional credit for a home, autos or additional credit card debt. I do not think this is right.
Consumer complaint received 2022-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

This is the ongoing issue since XXXX  when i submitted complaint about CIT Bank NA about not being able to modify the loans. CFPB DID NOT HELP TO RESOLVE THE ISSUE NOW IM IN FORCLOSURE. YOUR TRUTH IN LENDING ACT IS ONLY ON THE PAPER AND NO ONE ENFORCESES IT. Now I know the real reason why it was never done and why I'm in the foreclosure. 
IndyMac Bank FSB did sale and lease back with the help of One West Bank N.A. ILLIGALLY, by committing fraud on XX/XX/XXXX, 5 days prior the day XX/XX/XXXX. One West Bank helped IndyMac Bank FSB to get HELOC out under my name, I never cashed it out. I asked the bank who and how it happed they said it's been too long ago, and they have no record however the money {$130000.00} was taken out as cash then loaned to me 5 days later, I did not own the house I could not have taken out HELOC, I was purchasing the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The bank is demanding money on the default, and it's been 5 months since I discovered fraud. XXXX XXXX XXXX and XXXX XXXX XXXX AWARE OF IT BUT THEY DO NOTHING ABOUT THE ISSUE AND TRUSTEE KNOWS THAT I WAS GIVEN A FRAUD LEASE BACK LAND OIL, MINERAL LEASE ON A RESIDENTIAL PROPERTY. NO DISCLOSURES WERE GIVEN, i DID NIOT SIGN A PROMISSORY NOTE, NO HUD 1 DISCLOSURE, I WAS GIVEN TITTLE INSURANCE WITH NO TITTLE BY XXXX XXXX XXXX, I ASKED ALL OF THEM THE LENDER THE SERVISERS THE TRUSTEE ABOUT THE ADRESS OF THE TITLE INSURANCE IT'S BEEN 5 MONTH NO ANSWER!!!!!
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

SECURITY FREEZE FOR MINOR In XX/XX/2021, I submitted all documentation required by Equifax in order to place a security freeze on my minor childs account. I received back a letter dated XX/XX/2021 stating that I failed to submit my government issued ID and an item to validate my address. Contrary to the statements in the letter, I submitted my drivers license and XX/XX/2021 utility bill. Additionally, the letter contained the WRONG street number for my sons and my address. I called the number listed in the letter to correct these issues and to discuss an easier, quicker, and more secure way to resubmit documents. 

First, let me point out that it is ridiculous that all three of the nationwide CRAs only allow for submitting this VERY sensitive information via mail in order to place a security freeze for a minor. 

Second, the number listed on the letter was wholly unhelpful, as it did not lead to a person able to assist me since the child is a minor and does not yet have a credit file. I was subsequently given three different numbers to call. 

After chasing my own tail trying to get some answers, I finally spoke to someone who could at least look at the scanned documents that I submitted. He informed me that I submitted an unreadable copy of my drivers license. Incorrect. I made three copies of my drivers license and went them to all three nationwide CRAs. XXXX placed the security freeze based on what I sent, so I submit that Equifax has inadequate scanners and processes for verifying drivers licenses. The gentleman I spoke to also stated that he had no record of my utility bill. Equifax LOST my data. The gentleman I spoke to had no explanation for how my sons address got added to the XX/XX/2021, letter incorrectly, as it was apparently already correct in Equifaxs system. 

This situation is a blatant demonstration of irresponsibility with consumer data. It is also not a meaningful process by which to place a security freeze for a protected consumer, which is a federally required process. I submitted a complaint to Equifax through the gentleman I spoke to, but based on the lack of care demonstrated by Equifax thus far, I hold no confidence that I will hear back or receive resolution from Equifax.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Deutsche Bank ()

I am an employee working in XXXX XXXX XXXX. 
Our company has an acount with Deutsche Bank Trust Company Americas. 
On XX/XX/2019, abruptly they noticed us that our account will be terminated. 
I dont know why this happens and so I asked why they do this. But they just told that we should accept this. I think this is really unfair. Please help us.
Consumer complaint received 2021-05-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-10-17
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)

I spoke to Equifax multiple times. There are 2 inquiries that the were supposed to be deleted I have 2 confirmation numbers that the inquiries are supposed to be deleted and a collection. The confirmation numbers are XXXX and XXXX. I spoke to the dispute department today and those inquiries and collection is still on report. remove immediately. Does Equifax want to be held liable for this.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

In XX/XX/2019 I was a victim of identity theft. Accounts were opened up in my name at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( how I do not know since I would expect this to have required some identification ). I received a XXXX alert and followed-up with each merchant to alert them of the fraud. I spent hours on the phone with each of them and thought I had this resolved ( submitted various paperwork if requested, some were far easier to deal with than others ). Apparently the fraudulent account at XXXX was referred to a debt collector and continues to show up negatively on my credit report, three distinct times. I have responded in writing and over the phone but have never been successful in having this removed. Southwest Credit Systems refers me to XXXX which refers me back to XXXX in a viscous cycle.
Consumer complaint received 2023-02-01
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. (CA)

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. 

XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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.