davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I filed a complaint with the CFPB for harassing phone calls by PRA during the pendency of a lawsuit they filed against me.

The company responded by telling both the CFPB and me that they had a judgment against me.

They directed me to contact their attorney to pay the judgment. I am in a vulnerable group, I am totally and profoundly deaf. They are saying pay them now for a judgment they dont have?

THEY DO NOT HAVE A JUDGEMENT.

This is in violation of 18 U.S.C. Section 1001 for Lying to Government Agents, the FDCPA and Ohio statutes ( Ohio consumer sales practices act ).

I am aware PRA is under investigation for violations of its XXXX  consent decree, and I wanted to alert you that they are blatantly lying to both you and me. 

I need you to intervene on my behalf and contact Judge XXXX XXXX XXXX referencing case # XXXX ( XXXX XXXX XXXX. 

At : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Courtroom # XXXX XXXX XXXX XXXX, OH XXXX Civil Bailiff ( XXXX ) XXXX To alert her that PRA has decided the care for her, has not stopped calling, and now, in order to close complaint # XXXX ( attached as a file ), lied to a Federal agency so they can get me to pay a judgment they dont have! 

Their response was so detailed, specific and granular, this is a blatant lie. 

This all started bc PRA engaged in a practice called parking on my credit report, that was my first contact with them. In response to a credit report dispute, the next day, they referred it for a lawsuit without validating the debt! Help me!
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This complaint is not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Equifax has illegally and repeatedly placed false and erroneous items on my credit profile that they know do not belong to me. A representative on the phone admitted that this fraudulent account had been removed before and was somehow placed back on my credit report.
Consumer complaint received 2023-03-22
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2020-07-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (CA)

Scam : XXXX XXXX called me from omemainfinancial. He sold a 4 year loan at 9 %. He had my full name, address, routing number, name of bank, home address. While I'm the phone He emailed me a contract to confirm terms and confirmed I could afford payment. Asked what it was intended for, seemed reasonable ... Untill the very last thing he asked " I need you user name and password " to deposit check via mobile deposit. That's when I stopped. He said that Covid19 prevented his staff from doing deposits so they must be done via mobile deposit. I hung up. 

He had much of my info, very much. Phone number is XXXX
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (TX)

I reached out to Chime on XX/XX/2022 regarding a service that I paid for on XX/XX/2022 iao {$1000.00}. I disputed due to the service not being as advertised I received an email saying it would take 30 days to investigate. I then received a notice the same day a few hours later saying my claim denied. I submitted my claim again because I didnt feel that they thoroughly investigate to see what acutally was going on and my reasons that I was requesting a refund. I got another generic email saying my claim was again denied and they told me I could basically escalate it and send over my proof documentation in which I did. To which I received yet another denial email and they were basically saying it was past 60 day timeframe and that they didnt find any wrong doing on the merchants end. I feel as if they dont wont to do their part and protect their clients hard earned money from scammers such as XXXX XXXX . I paid my hard earned money for her class that was supposed to teach me everything I needed to know to start a business but wasnt taught absolutely anything. The lady that I paid for her course was recently exposed for being a scammer and it was all over XXXX and I didnt find out till XXXX at that time is when I reached out to her and told her I didnt learn anything from her class and that i would like a refund and I was denied since I accessed her class according to her. She failed to mention to any of her students that was a 30 day refund policy. Had she let us know back then I would have requested it within the 30 days because I knew immediately after I accessed course it was not what I paid for but was scared to say anything since she has reputation of posting people that speak out against her on her XXXX page so her XXXX followers can see it and talk bad about u.
Consumer complaint received 2020-07-03
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. (GA)

I noticed a medical charge on my consumer report that I did not recognize so I proceeded with the following : XX/XX/XXXX - Notified the credit bureaus reporting this error via certified mail. ( XXXX  & Experian ) XX/XX/XXXX - Sent a notarized letter to the collection agency [ XXXX XXXX  ] requesting validation or evidence that this debt belonged to me, sent certified mail with a return receipt. 

XX/XX/XXXX - XXXX XXXX  received my letter. 

XX/XX/XXXX - 12 days after my medical investigation began, Experian reported the account as " verified '' on my consumer report. 

XX/XX/XXXX & XX/XX/XXXX - XXXX  reported XXXX XXXX  as " verified '' on my consumer report. 

Per the Fair Debt Collection Act, during a medical investigation, creditors/collection agencies can not take legal or other action to collect the disputed amount and related charges during the investigation. The creditor or collection agency may not threaten my credit rating, report me as delinquent, or accelerate my debt because I have used my FCBA rights. 

XXXX XXXX, XXXX  XXXX, & Experian have all violated my rights. XXXX XXXX  failed to respond to the dispute and as of today, XX/XX/XXXX they still have not responded. Neither XXXX  nor Experian, has sent verifiable documents as required in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) supporting this delinquent claim on my report. I requested proof from Experian on XX/XX/XXXX and TransUnion on XX/XX/XXXX. Both credit bureaus have failed to provide any evidence. 

The medical account in question, owned by XXXX XXXX  does not belong to me. I have requested proof and explanation of charges, neither of the ( 3 ) parties have provided it. 

Please remove this account from my consumer report immediately.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: FinCo Services Inc DBA Current (MA)

I opened an account in XXXX of 2020 With current online banking I had money in my savings pod and my account was randomly suspended within the same month with no explanation at least 400 $ i contacted customer support via email numerous times and have gotten no response it is now XXXX Ive only received an automated email stating someone from the support team will beach out to me and no one has
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Thank you for your prompt attention to this matter. 


The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2021-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I applied for a mortgage loan for the sum of XXXX from Bank of America Tue, XX/XX/2020. At the time of application, I was discouraged from applying by the loan officer before gathering all of my information - Which prompted me to seek another loan officer in my local area. 

I submitted all of my information and was exposed to significant unexplained delays. Although my application was qualified by several other banks for an unknown reason this bank did not approve my application and failed to notify me of the exact reason and did not provide me the opportunity to address any addressable issue. I wrote the following letter on XX/XX/XXXX and did not receive any clear explanation in response. 

Good morning XXXX XXXX, I am writing to request a detailed letter of explanation regarding why my mortgage loan application for the purchase of XXXX XXXX XXXX, XXXX, New Jersey, with a purchase price of {$500000.00}, with a mortgage from Bank of America, Loan Number # XXXX in the amount of {$470000.00} was denied. 

I was requested and was promised this information by XXXX, the primary mortgage loan officer, over two 2 weeks ago. However, to date, I have not received the said information. 

I request that this matter be treated with the highest degree of urgency. 

Thank you in advance. 

Regards, I was significantly disadvantaged by this transaction and feel like I was not given an equal credit opportunity by BOA
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IN)

My Coinbase.com account was locked after i sold my Bitcoin at a high point on XX/XX/2020. I kept the money in the XXXX XXXX  so i could rebuy when the prices went down but the next morning XX/XX/2020 my account was locked for no reason at all. I submitted a case immediately and Ive not received any responses. Ive tried to reach out through XXXX  on their support account to no prevail. I have thousands of dollars sitting in my account that I have zero access to. Ive had two factor authentication activated since the creation of my account as well. My case number is # XXXX
Consumer complaint received 2023-04-03
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. (NY)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2020-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (FL)

I have an account with the online " bank '' Current ( through XXXX XXXX XXXX ) - they provide me with an online free checking account that I pay XXXX/month to access premium features, including a debit card, direct deposit, bill pay , p2p transfer, and even a nifty feature called SAVINGS PODS. It's not an official savings account. You can't keep more than XXXX in one, and you label them things like Groceries or Vacation and set little savings goals. You can also have purchases rounded up and change put it into one. Anyway, my unemployment has been going into my Current account and I decided to seperate some into the Savings Pod so it would be less tempting to spend. They are advertised as something you can move funds to and from anytime for whatever reason. There's no maturing, there's no only 6 transfers a month allowed or anything like that. So here I put {$500.00} in a savings pod a few weeks ago and I have been trying to transfer it back into my checking account for the last week or so and the app gives me an error saying to contact support. Well I contact support through livechat which is the only way and they all say the same thing : a supervisor will have to review this. Or it's been escalated to management. Every day for the last week I'm reaching out to these people. Live chat, website contact forms, letters in the mail. NOTHING! Nobody can give me any answers and nobody will let me talk to a higher up. Nobody seems to know anything. What I do know is my Current checking account is XXXX and I can't put gas in my car or eat because there's {$500.00} of my own money in some stupid savings pod in their app that they will not let me access nor provide any reasons or explanations. So Every day on chat, support tells me management will fix it and email me. It's been over a week and I've heard nothing. I log into the app and see my negative balance but then I see my savings pod with {$500.00}. Please help.
Consumer complaint received 2023-03-22
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. (NH)

Requested an investigation into inaccurate accounts with EXPERIAN on XX/XX/23. Experian responded that they received my request on XX/XX/23. I have waited 31 business days and yet there are still NO results.
Consumer complaint received 2020-07-03
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. (TX)

On XX/XX/XXXX I filed a complaint with FTC re TransUnion refusing to correct false information on my credit report and to remove same regarding names used, addresses, employers, etc. The complaint Number is XXXX. I performed a dispute with TransUnion, but every email communication came back returned as undeliverable. I disputed each incorrect address, name used, etc and changed my password due to Straffic breaching alert received from XXXX XXXX. The XXXX XXXX XXXX  XXXX on my credit report is a false employee and so is XXXX XXXX. Addresses such as the XXXX XXXX, XXXX XXXX XXXX, XXXX Texas, etc. were never addresses where I lived and there are others Such as past telephone numbers. My last date of employment with XXXX XXXX was XX/XX/XXXX and XXXX XXXX XXXX XXXX is my DBA as a XXXX XXXX, XXXX and XXXX. And TransUnion uses an outside site to upload documents to support your dispute, which never made it possible to upload the same.
Consumer complaint received 2020-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cottonwood Financial Ltd. (IL)

I had informed Cottonwood Financial/The Cash Store that I would be unable to make payments on my loan because I was out of work due to the pandemic. Theyre only solution was that I could put off 1 future payment, but I would be charged for two payments on the paydate. I thought they would honor a doctors note from when I first got sick. The store employess said they faxed it over but Cottonwood Financial did not respond. They continued to charge my card on various random dates, even though I made them aware I got paid on the same two dates ( XXXX and XXXX ) of each month. Its almost like they did it on purpose just so I could default on the loan. At one point I even became infected due to the virus and had to self quarantine. I provided them with a doctors note like they asked. They did not honor the doctors note and continued to charge my card which kept putting my bank account in the negative, which the bank would subsequently charge me a large fee for. It didnt make any difference what days I told them I got paid on. They intentionally do this so you can default on the loan. Since then, a small payday loan of {$600.00} is now valued at {$1400.00} that I would have to pay back because Cottonwood Financial repeatedly tried to access my account even when I made it clear there were no funds and the amount would bounce back.
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-22
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. (MO)

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX and I have never had a XXXX XXXX account and would like it deleted immediately.
Consumer complaint received 2020-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX A XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) The following items are reporting as a result of Identity Theft : XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  & XXXX  ) ; Bal : {$780.00} XXXX  Retail - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  ) ; Bal : {$0.00} ( TU & XXXX  ) XXXX XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$2900.00} ( XXXX  XXXX XXXX XXXX  XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ; Bal : {$570.00} ( XXXX  ) US DEPT ED - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  ) ; Bal : {$3000.00} The Public Records is incorrect information : Chapter XXXX Bankruptcy Dismissed Dated : XX/XX/XXXX ( TU & XXXX  ) Please remove unauthorized inquiries from my credit file : 1 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX