davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (MN)

I received an email from XXXX XXXX ( Senior Customer Service Specialist ) on XX/XX/XXXX, XXXX XXXX  ( Ticket XXXX ) ; stating an account review and withdrawals are disabled on my account. I referenced that I completed my KYC ( Know Your Customer ) when first creating my account. Never got a response on why my account was locked, but sent in the requested documents through an unencrypted email to their XXXX ( XXXX ) software, which seems like a HIPPA violation. The first email attached, was the last that I heard from XXXX or another employee from XXXX.US. During this time, I had another issue with an ACH deposit and created a ticket on XX/XX/XXXX, XXXX XXXX  ( Ticket XXXX ). 

After receiving no response on both tickets, I went to social media ( XXXX  and XXXX ) and posted my issues with their customer service. A customer service rep with the username XXXX escalated both tickets. The other email attached, is from the response I got from XXXX. They helped resolve ticket XXXX, and commented on my other ticket ( XXXX ) " As for your other ticket, I'll escalate this over to our onboarding department for further review. There's no reason for you to wait that long. Please hold tight. '' It is now XX/XX/XXXX ; a total of 3 months and 26 days of no responses, reasoning or resolution on ticket XXXX. My account is still locked under " Risk Management '', and around {$3200.00} is still locked on their exchange. I am at the point of being absolutely disgusted with this company/exchange on how they are doing this. I want my account unlocked, so I can move my funds over to other cryptocurrency wallets and I will never be using this exchange again.
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (CA)

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ].

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Consumer complaint received 2021-02-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (MS)

AMERICAN CREDIT ACCEPTANCE VIOLATED MY RIGHTS AS A CONSUMER. THE NON-DISCLOSURE AGREEMENT PLAYED DURING THE REPOSSESSION DEPT LINE DOES NOT INCLUDE FEES FOR THE AUCTION. EACH ACCOUNT HAS DIFFERENT FEES DUE TO HOW LONG THE VEHICLE HAS BEEN ON HOLD AT THE AUCTION. AFTER 1 MONTHS OF PHONE CALLS THE REPO FEES WAS MENTIONED BUT THE AUCTION FEES WAS NEVER MENTIONED. ACA INTENTIONALLY DOES NOT SPECIFY THAT IN HOPES YOU ARRIVE AT THE REPO PLACE WITHOUT THE FEE IN ORDER TO KEEP YOUR CAR. THE COMPANY REALLY WANTS TO KEEP AS MANY CARS AS POSSIBLE. THE SALE/AUCTION LETTER SENT OUT DOES NOT STATE A CHARGE PER DAY NOR FEE THAT WILL NEEDED INORDER TO RETRIEVE VEHICLE FROM AUCTION EITHER. ACA ALLOWED ME TO PAY ALL PAYMENTS ON MY ACCOUNT WITHOUT INFORMING ME THAT I WILL STILL HAVE AN OUTSTANDING FEE WITH THE AUCTION THEY HAVE PARTNERED WITH. AUCTION DOESNT BREAK DOWN WHAT THE FEES ARE FOR SO YOU JUST LOOK AT THE AMOUNT AND FEEL OBLIGATED TO PAY IT JUST TO GET BACK YOUR CAR. 

NOT ONLY WILL THIS MISSED INFORMATION SET ME BACK ANOTHER MONTH LATE ON MY CAR IT LEAVES ME TO FIND TRANSPORTATION TO THE FACILITY THEY USED AS THE AUCTION. THE FACILITY IS 3+ HOURS AWAY FROM WHERE THEY REPOSSED MY VEHICLE FROM. MY NEXT CAR PAYMENT IS ON XX/XX/XXXX AND IT IS NOW THE XX/XX/XXXX. LEAVING ME TO CHOOSE BETWEEN BEING LATE AND GETTING THE PAYMENT OR USING THE MONEY TO PAY THE FEE.
Consumer complaint received 2022-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

After multiple attempts to have this matter resolved with the debt collector, I am starting to believe this is out of malice.

On page 80 of the attachment you can clearly see the last 4 digits of the account number is different from the account which is falsely accused of being mines.

I will include the evidence as an attachment.

Its labeled as Resurgent Harassment documents. 

To add this company is now including my middle name when originally my middle name was not included. 


The letter that was sent stating my account is a valid account. Is regards to account number ending with XXXX. 

The fraudulent account ends with XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

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 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 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 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (NC)

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 

Account name : Oportun Account number : XXXX You're reporting a late payment in XX/XX/2022 yet XXXX and XXXX are reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.
Consumer complaint received 2022-05-23
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. (GA)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-07-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

There are several problems : 1. I just discovered that this is a commercial loan in a residential neighborhood 2. The company never filed a deed with the appropriate authorities in XXXX 3. Several questionable payments made to XXXX XXXX tax sources as shown on my mortgage escrow analysis. I have verified that the listed payments were never paid. 
4. A sizable payment made to the XXXX XXXX tax source appears to be questionable. 
5. There are two unknown payments labeled " Hazard Insurance Payment '' that can't be accounted for. 
6. The mortgage company has informed me that my negative escrow balance requires me to pay an additional {$1000.00} per month. I think there could be fraudulent over-payments from my account causing the massive shortage. 

Note : I have a copy of my escrow analysis and want it reviewed.
Consumer complaint received 2023-01-29
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)

To begin, my request to block is not being made in error ; nor is my request being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. TransUnion is denying me of my rights as a consumer!! 15 U.S. Code 1681c2- Block of information resulting from identity theft explicitly says the information required for a consumer agency to block and delete information reporting on a consumer file. ( A ) Block- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft ; not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer- PROVIDED ; ( 2 ) a copy of an identity theft report-PROVIDED ; ( 3 ) the identification of such information by consumer-PROVIDED ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer-PROVIDED. It is evident that TransUnion does not abide by federal law. What right does TransUnion have to deny me, the consumer, of my federally protected rights?? I have provided everything necessary for this block of information and also attached the letter they sent me boldly asking me for additional information which is not required under federal law. Last, I did not give TransUnion my permission to place an extended fraud alert on my consumer file allegedly on my behalf.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: MECHANICS BANK (TN)

I sent a cashier 's check to Mechanics Bank to pay off auto loan. I overpaid the interest due and the bank states they do owe me a refund of the overpayment. They have released the title and sent it to me and they admit they owe me a refund of the overpayment amount. My problem is they say they will hold my overpayment amount for 45 days even though the cashiers check has cleared, they have released the title, and I have no other accounts with them. 

Why can they hold my money and not refund for 45 days??
Consumer complaint received 2022-08-21
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. (OH)

My name is XXXX XXXX XXXX. I am filing a complaint I have an account that is showing me at 30-60 days late and at the time my income was affected by the Pandemic cutbacks. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. This late pay has seriously HURT my score and stoping me from closing on a loan that I need for my home. I am asking for a onetime forgiveness for the Late pay to be removed so I can move forward with my Loan.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Consumer complaint received 2023-01-11
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX Account number XXXX Closed XX/XX/XXXX XXXXXXXX XXXXXXXX XXXX  Account number XXXX Closed XX/XX/XXXXXXXX  Both accounts listed above I disputed due being reported twice to all 3 credit bureaus with different closing dates and accuracy. I'm demanding that all late payments be removed this mortgage loan is paid off and should reflect current.
Consumer complaint received 2023-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-07-20
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. (OK)

XXXX XXXX XXXX claims XX/XX/XXXX- XX/XX/XXXX that the account was not current. It was indeed current. Attempts to make contact have been met with hassle, run around, inaccessible email accounts, and limited contact information. I filed a dispute with credit reporting companies in a limited capacity. As they do not allow me to dispute issues within those date ranges for a reason that is not explained or articulated in any way whatsoever. 

XXXX XXXX dishonestly misrepresented themselves previously during refinancing after a COVID forbearance reorganization of the mortgage. Claiming they did not receive documents that I provided receipts of them receiving. After I filed an FTC claim on that issue they recended their claim and corrected the problem with an apology. 

The ability to contact anyone or resolve this issue is time-consuming, confusing, and misguiding and is not even available to dispute through at least one credit reporting agency. 

I simply desire the errors to be corrected as soon as possible.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-01
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-01
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. (AR)

I found out that there are some accounts continue to report on my credit report despite i've already requested this matter, Behind of that, I am asking for your help to correct these accounts on my file. I've also send my previous letter to the 2 credit bureaus such as Equifax and XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be corrected. I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. These following accounts please investigate and have these corrected : XXXX XXXX XXXX XXXX Balance : {$390.00} Opened XXXX XXXX, XXXX : DEPT OF ED/XXXX XXXX Balance {$12000.00} Opened XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Balance : {$440.00} Opened XXXX XXXX, XXXX.
Consumer complaint received 2022-07-17
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. (MI)

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.