davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Company said to call XXXX XXXX about my funds for rebuilding my home. This was in their letter dated XX/XX/2021, attached. When I called they refused to transfer my call to XXXX even though I had selected option 3 as directed in the letter. When I tried to find out who I was speaking to I got hung up on. A company called XXXX XXXX said they did an inspection on XX/XX/2021 and came on to my property without my permission and took photos of my container home and or my storage container. They did not inspect the home, the foundation, the septic or the well for the new home. They refuse to provide me copies of the photos they took without permission. I am unable to access my funds for rebuilding my home. I am unable to contact the person they said to contact in the letter. Each time I try I get hung up on and abused as a XXXX person. Since the bank has refused to work with me regarding the rebuilding of my home and since construction costs continue to rise the bank has compromised my ability to rebuild. They refuse to accommodate my XXXX and refuse to adjust my escrow since I am paying my own taxes. According to their letter I need to pay and have transportation in order to communicate with them. This is an unfair action and makes my XXXX worse.
Consumer complaint received 2021-11-02
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: Receivables Management Partners, LLC (NC)

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 



Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Account Number : XXXX Please remove it from my credit report. 

3. Account Number : XXXX Please remove it from my credit report. 

4. Account Number : XXXX Please remove it from my credit report. 

5. Account Number : XXXX Please remove it from my credit report. 

6. Account Number : XXXX Please remove it from my credit report. 

7. Account Number : XXXX Please remove it from my credit report. 

8. Account Number : XXXX Please remove it from my credit report. 

9. Account Number : XXXX Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX 11. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 






Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2022-06-21
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 Reporter Act, 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 your account without my written instruction
Consumer complaint received 2021-09-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX Credit Reporting, as well as Transunion, are reporting that I have Bankruptcies on my credit file. I have submitted police report information, FTC ID theft information as well as my identification. XXXX keeps coming back stating my information is frivolous and that they won't investigate. I spoke with XXXX a fraud specialist in the special services department who informed me that any information that is is given by the courts is deemed accurate information even if you have been a victim of identity theft. She stated that XXXX can not and will not remove. I informed her that I have a letter from the court stating that they do not report, that it is reported from a third party. She said they got the information from XXXX XXXX. I then informed her that I have my XXXX XXXX report and have spoken to XXXX XXXX who state that they have no bankruptcy information on me. All I am asking is that my report is corrected These companies refuse to correct it. The Bankruptcy numbers are as follows. XXXX and XXXX. All I need is for the information to be deleted as I did not file them. Otherwise, I have contacted an attorney and will file a lawsuit.
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (TX)

On XX/XX/21, my crypto was hacked through coinbase and the hackers was able to made away with {$12000.00} without coinbase doing nothing, even when I try to lock my account when the hacking was going on, but still coinbase doesnt lock my account. The painful part of it was that the next day the hackers was continue to hacked my account after I reported to coinbase that my account should be lock. However coinbase is telling me that they cant do nothing to get me my money back then want block my account saying its my fault my account was hacked from their system they claim its security, Im getting to believe coinbase hacked my account and they are the one hacking people account or its must be their employees are the one doing it, because they know how to control your account and do what they what to do without you having no control or it at all, even after you reported it they will still hacked it anyway
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted paperwork to XXXX, Transunion, and XXXX on XX/XX/2021 and I have yet to get a response stating the findings of the investigation into my credit report. The fact that this situation has my future on hold is frustrating. I need them to do their job and ensure my report is correct.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (SC)

I have a Wells Fargo business account. Every month, sometimes multiple times per month, Wells Fargo will hold my deposits while they process multiple debits. After the debits cause my account to be overdrawn, Wells Fargo charges {$35.00} per transaction, then they will process my deposit. This is a recurring theme with this company. 

In addition to their fees, I am constantly paying returned item fees with XXXX because Wells Fargo returns my payroll debits.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the several previous written requests, the unverified account, AMERASSIST AR SOLUTION XXXX, listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-09-28
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. (NC)

I am a consumer and by law i feel i am being violated and ignored because my information is constantly being misused and misrepresented and i have many false and inaccurate accounts on my credit report and i am making a formal complaint about the Unauthorized use of my credit report and personal information.
Consumer complaint received 2021-11-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, I.C. SYSTEM, INC Acct. No. XXXX, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to The Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (FL)

pen fed credit union reported on XX/XX/XXXX that my personal line of credit had a balance of XXXX when I paid my loan in the amount of XXXX on XX/XX/XXXX which was before the due date. I do not understand why incorrect balances are being reported. this is the second time. this is unfair to customers who pay their bills on time.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings (TX)

This is a HIPAA Violation.This account has been going on for about two years. On XXXX they called threating me as i was going to jail and getting sued. I have no knowledge of this account and amount because it was paid. I also know that the apartment complex sold my information to this company and i never owed this much they charged interest every day and i do not know why. Two years ago spoke with complex they explained they did not have anything for me because this was due to HArvey ( a storm ) and everything was charged off. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.
Consumer complaint received 2021-11-02
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. (MO)

I have tried several time to have negative information verified with proper signed documentation and all time they company has failed to proved the proper documents proving debt validity, in violation of the FCRA.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report. Send me the signed contract that gives you consent that contains my signature giving you consent to do so.
Consumer complaint received 2021-11-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

The closing date for selling my home was XX/XX/2021. 
I called the mortgage company on XX/XX/XXXX to give them my forwarding address to send my final statements, or for whatever other reason they may need me. The customer service representative asked me if I wanted to take care of the {$4800.00} ( and some change ) balance on the loan. Well, I thought she was joking. She commented that I had just made a substantial payment and she could process the remainder with me. I said, What are you talking about? I SOLD the house.. She said, she showed a balance a little under $ XXXX. 

Then everyone played the blame game. 

Finally months later, when I called them to find out why my loan still had not been taken care of, they told me, since your escrow was negative, there was too much money put into my escrow account when that payment came in. Again, I told her that was the LOAN PAYOFF and I still was dumbfounded how the mortgage company was not even concerned with this. 

First, they told me that there was not enough money sent in. ( This was their argument for not having a XXXX balance yet. ) Finally after several months, I had to sign a letter giving my permission for the mortgage company to use the escrow balance to pay off the loan in full. 

Meanwhile, they have charged me mortgage insurance premium in the amount of {$160.00} and on XX/XX/XXXX ( almost XXXX weeks AFTER closing ) there is a {$170.00} Legal Fee with no other explanation whatsoever. 

I have tried numerous time to reach out to them but they say there is no problem. 

Here it is : I closed -- - the money was sent in.. VMF processed it wrong somehow But look at the escrow balances in my statements yet they couldnt figure out why I still had a balance and its my fault because the funds were short ( they werent ) .. so therefore I got charged MIP again Then there is a mystery payment from.. I dont know where.. but I also did not ever get a final statement ( theyve sent it 3 times by mail thats the answer I got ) It is a complete mess- I saw several XXXX  complaints that seemed to involve the same topic.. sound like they've been doing this a lot. 

The statement I uploaded is the last one I ever received. I did not get any for the last month
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (TX)

I have several family members that are managers for collection agencies. Once you the collection agency buy a debt from the original creditor its paid for. Southwest Credit please show me where I have a contract with you and really need to see my signature. I have sent you a certified letter on XX/XX/2021 needed proof of that contract. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to be reported on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. 
*Violation of the Fair Debt Collection Practices Act *Defamation of Character I received an letter from Southwest on XX/XX/XXXX and 2 days later it was on all three credit report. This is horrible. How you going to put something on someone's credit and that consumer never had a signed contract with you. Please delete this now. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Capital Enterprises, Inc. (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the XXXX Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1, AMERICAN CAPITAL ENT XXXX Balance {$68.00}
Consumer complaint received 2021-11-02
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: FIFTH THIRD FINANCIAL CORPORATION (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The Credit Bureau is reporting inaccurate information on FIFTH THIRD BANK NA XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-02
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. While analyzing my updates, the fallacious information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX - XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: California Business Bureau, Inc. (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CALIFORNIA BUSINESS BU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-02
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. (MO)

I have tried several time to have negative information verified with proper signed documentation and all time they company has failed to proved the proper documents proving debt validity, in violation of the FCRA.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TD BANK US HOLDING COMPANY (MD)

TD Bank fixed payment furniture loan {$2500.00}. Received at XXXX XXXX in XXXX. Paid {$60.00} a month on time until XX/XX/XXXX. Was advised by XXXX XXXX XXXX, a debt consolidation/reduction company to stop payment because they will be settling the debt with TD bank. We are now paying XXXX XXXX XXXX to negotiate with TD bank to clear the debt. I have spoken with TD bank every month since XX/XX/XXXX that we are using XXXX XXXX XXXX. They make a note and tell me that XXXX XXXX XXXX has not called them or reached out to them and Clear One has to call them not TD bank call XXXX XXXX That they can call me reguardless. XXXX XXXX has stated that TD Bank has received correspondence from them and they are in negotiations and shouldn't be calling me. TD Bank called me at my employer and couldn't tell me how they got that number I told them to stop calling my employer. They stopped calling my employer but still call my cell phone. They call XXXX  times a day except for Sunday. I spoke to a higher up person in TD bank twice in XXXX and XXXX and they told me they would note the account but they still have to call me. They never leave a message just call XXXX  times a day. They now lowered my credit limit on the furniture loan below the amount of the loan now showing I have gone over my credit allowance. They have sent info to the credit bureaus about that. They have sent me letters threatening to send me to collections in XXXX even though they have noted im using XXXX XXXX XXXX to settle the debt with them. 
This has lowered my credit score from XXXX to XXXX in a short time. 
The number they always call me from is XXXX