davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

my account has been frozen for over a year now with no written or verbal explanation of why or when it will be back useable they continue to charge my account XXXX dollars every month far a acoount that i cant use customer service is of no help
Consumer complaint received 2023-10-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (IN)

Canceled my services in XXXX and moved out of my house. I asked during cancelation what i owe and i paid my final bill. I went to return the equipment a few days later in XXXX to a store and I asked them as well if i owed anything and they said no. Months later today i see a derogatory mark on my credit report so i called the debt collector and they told me its from an XXXX XXXX I called XXXX to clarify this and it was a pain to get a live person on the call. So i initiated a live chat online and I explained it to 3 people and i was transfered after a promise was made to resolve this for me. They took over 2 hours to " work '' on this and I still do not have a resolution. I was bounced around re-explaining the situation and that i need them to fix it but no one has helped me with it so far. I have a perfect billing history and I always paid all my bills in full before the due date and never had a late payment so i have no reason to withhold this from XXXX, had i had been made aware of it. I'm looking for a letter from XXXX to give to the debt collector that says this was erroneous and i want the derogatory mark removed from my report and the collector said that is how they can do it. I asked XXXX for the letter and i was immediately transferred without a proof. i have the entire chat history with all the 4 representatives that bounced me around if needed.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX credit card from XXXX is showing up on my credit score for XXXX $ I had a card from XXXX XXXXXXXX XXXX last year for XXXX $ that I never used and canceled. My XXXX  credit account is all messed up because of identity fraud. I keep freezing my account but these people opened an account with XXXX which is also on my credit but I have XXXX. I can't call any of these companies because my phone calls get ported and I never know who I am speaking with. I also have a XXXX card that was opened last XXXX and was paid off but it says I still owe a payment and now I have just seen XXXX Bank for XXXX Card which I disputed because I paid the card off completely 4 months ago and it's showing XXXX  XXXX cards... I don't know what to do this all started last XX/XX/XXXX and I actually canceled the XXXX account but someone opened and paid to have the premium account reopened so in my opinion they can somehow manipulate what is on my credit report. Since last year my credit score has dropped XXXX points, I've had to close out all my bank accounts twice. XXXX recently just gave me a new phone because of all the coding that was in it from hacking. I can't keep an email address without it getting hacked including my work email.I work at a college and found a hidden voicemail last week about my student loans which I don't have. I have had my unemployment from state of Massachusetts opened twice and I've contacted authorities, FTC, and I was told by XXXX to go to the FBI.
Consumer complaint received 2021-11-25
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: EQUIFAX, INC. (NY)

I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX )
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2021-08-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY (VA)

XXXX XXXX XXXX ( TD Bank Retails Services for XXXX ) have reported unauthorized charges to the credit report agency, which impacted my credit FICO score to go down from Excellent to Good. The entire amount charged ( {$570.00} ) to my account had not been authorized at any point by me. Due to being concerned with the credit report score and my employment safety, I went as far as trying to pay TD Retails and XXXX. Even though I did not authorize this purchase and charges, and due to the TD Bank harassment and phone 's stalking, I tried paying the original amount of {$220.00}, which is the original unauthorized amount. I paid with my XXXX XXXX and XXXX  XXXX XXXX, but both banks declined the payment without any fault/ action by me. TD Bank continued harassing me further, added more penalties to these unauthorized charges, which inflated the amount to {$570.00}. I had no luck to reach anyone with XXXX XXXX and TD Bank consumer rep refuses any other form of payments including checks even when Offred them ACH payment from my bank. I recently provided by phone call to TD Bank rep on XXXX XXXX another bank account to pay these unauthorized charges to stop the continued harassment of TD bank consumer accounts for XXXX. Payment posted to my account for {$220.00} in XXXX XXXX, XXXX yet TD bank got blocked by XXXX  XXXX XXXX not due to any fault of mine or action by me. I have NOT authorized any of these charges and/ or fees, which I have been harassed by ( TD Retails Bank consumer account for XXXX ) to pay. 

Please Note : At any point there was no any kind of knowledge or any kind of notification or any kind approval to such services by me. I have fully paid the full amount ( cost ) of the device ( XXXX XXXX  XXXX ) within one month of purchase and did not finance nor authorized any coverage services. My credit has been excellent. XXXX financial retail services baseless claims and their unauthorized actions have damaged my credit. I need your help please. I have been seeking attorney 's services to fix these illegal activities and charges, but all of the legal counsel I spoke to had pointed me to your agency.
Consumer complaint received 2021-08-19
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. (CA)

I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2022-08-21
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: Experian Information Solutions Inc. (LA)

I sent a letter off on XX/XX/2022. Here are my tracking numbers : XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( EXPERIAN ). To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information to any third party. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc. (NC)

As I said before, I didnt give OPTIMUM OUTCOMES permission nor my consent to speak to me, a natural person, the consumer, about an alleged debt. Furthermore, OPTIMUM OUTCOMES admitted to getting my information from a XXXX XXXX XXXX over a year ago. I did not give consent to neither of these companies, so therefore thats another violation pursuant to 15 USC 1692. You have injured, stolen my identity, and harassed me for over a year now. Youre not allowed to state a natural person owe a debt so tell me how OPTIMUM OUTCOMES didnt violate Federal law? I was injured and Im demanding monetary relief. When I told OPTIMUM OUTCOMES to remove my information, theyve shouldve done so. No matter how many times I stated it, OPTIMUM OUTCOMES refuse.. Now all of a sudden, they want to listen and XXXX  XXXX honor my Cease and Desist letter. You cant pick and choose what to honor from my Cease & Desist letter. OPTIMUM OUTCOMES denies any alleged violations of law but them FIRST stating theyre a debt collector and this is an attempt to collect an debt, is one of the first violation according to 15 USC 1692b. I dont care if OPTIMUM OUTCOMES thinks its copied & pasted OPTIMUM OUTCOMES didnt have a problem copying, pasting, and BUYING my information from third party reporting agencies, or else, we wouldnt be here. As a private consumer Ive been injured and I demand monetary relief. I dont care what other consumers are posting or doing. I am XXXX XXXX, a consumer, the natural person according to 15 USC 1692a ( 3 ). A corporation, OPTIMUM OUTCOMES, has no voice and can not speak for me nor address me. OPTIMUM OUTCOMES caused this and I will not let this go until my Cease & Desist letter is honored, entirely. The next step is Attorney General.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My bankruptcy was filed and discharged in XXXX. A debt that was included in said bankruptcy, ( XXXX  XXXX ) sold that debt to a debt collection company after the debt was discharged in bankruptcy to a company called XXXX XXXXXXXX XXXX XXXX. They did this in XXXX of XXXX. After my successful discharge of said debt. This is against the law. You have been given this information multiple times. I have provided this evidence a multitude of times via Experian disputes. Do you comprehend? Do you understand? 

Therefore, a collection account is on my credit report. It shouldn't be. It involves a debt discharged in bankruptcy with the original creditor XXXX XXXX XXXX XXXX But a debt collection company XXXX XXXX XXXX XXXX bought that discharged debt and reported it on my credit report. This is against the law. Please remove the invalid and illegal reporting.
Consumer complaint received 2021-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capitalone is harassment on my payment that is not due till XXXX of each month.Iam on fix income with social security, i get paid on 3rd week each month.Capitalone demanding payment on XXXX, by XXXX.My social security this month comes on XXXX, Capitalone sent this note yesterday to me : About your XXXX Card ending in XXXX XXXX, Dont forget, your online payment is due by XXXX XXXX ET on XX/XX/2021. 

If youre enrolled in AutoPay or already scheduled a paymentgreat! You can sign in to see your scheduled payments.
Consumer complaint received 2021-08-25
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. (FL)

All three credit bureaus are reporting erroneous information in my credit file. I sent a request to each credit bureau to reinvestigate all alleged collections. It's been over 4 months and I still haven't received any response or anything. These alleged accounts does match either credit bureau account statuses. These accounts are definitely errors and erroneous and it is hurting my scores and reputation. I want them removed immediately.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I settled a debt through XXXX XXXX, a debt consolidation company, and was satisfied on XX/XX/2020 in the amount of {$410.00}. It is still showing on my credit and Im acting me negatively. I have requested pay off letters and disputed multiple times and they will not relive from my credit report. Lvnv Funding is the company. 
Acct # : XXXX
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXXXXXX XXXX for XXXX XXXX master card automatically renewed my credit card and charged XXXX dollars for the annual fee that isnt due until XXXX for {$100.00}. They turned it in to the Credit bureau and XXXX XXXX notified me of the change of score. My credit score dropped 32 points, per XXXX XXXX TransUnion report because of the increase of {$100.00}. I called XXXX XXXX and tried to discuss this problem with them but was told that they couldnt do anything but take me off of auto renewal. I tried to discuss this problem and was told they couldnt do anything about my credit score. This is unfair. I paid off the {$100.00} charge today, XX/XX/2021, that wasnt due until XX/XX/2021. I also told them to take me off of auto renewal. They did the same to me last year, This practice seems very unfair to me. I have been paying everything on time and trying to pay off items when I can. I have paid extra on my home and am trying to improve my credit score. Please help me to have this drop in score replaced back. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-08-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX filed a collection against me for a debt I had believed to be settled. They called me at my employer once previously using my employers phone number. I told them then to cease and desist, and requested any further communication be through mail. They stopped for a little while but now I receive 3-4 calls a day through varying phone numbers from them. If I block one, they use a different one. I warned them before if it continued I would file a complaint, if that does not work I will contact my State Attorney General.
Consumer complaint received 2021-08-25
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. (PA)

XXXX XXXX continues to violate my right to privacy by continuing to harass me by submit negative, harmful and detrimental information to the three credit reporting agency. This is continuing to be done because I asked them to validate a debt and they have not.They refuse to validate a debt and instead continue to attack my character thru unlawful reporting. Pursuant to Federal Law 15 USC 1692g their continuing to report harmful, character deeming information is against my rights as a Consumer. Furthermore, pursuant to 15 USC 1681 under the FDCPA I have a right to privacy. I did not give them permission to report anything to anyone. 
In addition, XXXX, Transunion, and XXXX continue to allow them to report and I did not give them permission either. I am the Consumer, I have a right to privacy. They can do as they wish to a citizen but NOT to a natural person, consumer, citizen of heaven.
Consumer complaint received 2021-08-19
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. (TX)

On XX/XX/2021 I sent a letter to XXXX, XXXX  and Experian. Enclosed was a copy of a letter, written directly to the Credit Union who holds the account in dispute requesting documentation as well as an affidavit to verify the legitimacy of the alleged account. 

I also explained to the bureaus that many of the transactions under the alleged account were commercial transactions and therefore, should not be reporting on my personal credit. 

Each bureau continues to report this account on my credit report without investigation. I also requested a full disclosure of my entire file and to provide me a copy of the written authorization or expressed consent given for them to report my intellectual property to their reports. 

See attached letter. 

All letters were sent certified mail also
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

My coinbase account was hacked on XX/XX/2021 around XXXX. The hackers sim swapped my phone number after I had changed my high security passcode with my phone provider XXXX XXXX by XXXX and secured all my devices. It seemed like an inside hacked to me. They were able to bypass my high security passcode and 6digit PIN. The hackers login in from a new IP address XXXX requested to reset a new password, so Coinbase gave the hackers a new password to log into my account on their brand new device without having to wait for 24 hours. Every time I requested to reset my password on my XXXX XXXX I had to wait 24 hours to reset a new password. If coinbase followed their own 24hour password reset protocol as stated in their website to any new devices my account would had been prevented from hackers. I was able to intercepted the hackers and disabled my account on XX/XX/XXXX around XXXX. But it was too late, as soon as the hackers was in my account they transferred all my XXXX to an external address. 
Date : XXXX XXXX XXXX  PDT Amount : XXXX ETH ( $ XXXX ) Address : XXXX Date : XXXX XXXX XXXX  PDT Amount : XXXX ETH ( $ XXXX ) Address : XXXX After they transferred all my ethereum, they also purchased {$4300.00} worth of Bitcoin from my linked bank account. They converted to ETH and transferred to an external address. 
Date : XXXX XXXX XXXX  PDT Amount : XXXX ETH ( {$4000.00} ) Address : XXXX From the information Ive gathered, coinbase is very much at fault for what happened, because none of the above seemed to raise red flags, or triggered security measures to stop it from happening. 
Coinbase should had froze all my funds that was being transferred to an external address especially after I let them know that my account is compromised and I disabled it around XXXX knowing that was not my wallet. I emailed coinbase support asking them to freeze any transactions or withdrawals that was made around XXXX but did not a get a response back about the issue. I also filed formal complaint with coinbase on XX/XX/XXXX, and received a bot response required more time to investigate. Please help me get back my life saving and hard earned money. Thank you and looking forward to a resolution. XXXX XXXX
Consumer complaint received 2022-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

On XX/XX/2022, I contacted Fay Servicing, and I was told by the Representative that they could not speak to me because they said I hired an attorney, and they need a letter from the attorney to allow them to speak with me. I did not hire an attorney. 

I am concerned because although I would like to stay in my home, I have put it up for sale and I had a buyer, and the mortgage company is not communicating with the realtor. 

I contacted Fay again on XX/XX/2022 and their representative told me that she could not speak to me because I hired an attorney.
Consumer complaint received 2023-03-10
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-01-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Got 5 hard inquiries I dont recognize, from XXXX XXXX XXXX on XX/XX/XXXX, 3 from BK of Amer on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX And XXXX XXXX on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-27
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.