davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX   ), and XXXX v. XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
Consumer complaint received 2017-12-01
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. (MD)

My wife and I have been negatively impacted significantly by XXXX bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MA)

I have been trying to track down and/or receive a credit balance of approximately {$11000.00} resulting from a misdirected overpayment of {$15000.00}. This has been going on since XX/XX/2018.
Consumer complaint received 2018-01-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp (VA)

I received a phone call at XXXX XXXX est, by alpha recovery group on behalf of XXXX. I asked what this is in regards to ; the first gentlemen would not tell me prior to verifying my identity and then hung up once i asked again what this was in regards to. I called back to try and figure out what the was in reference to. Then, second lady did the same thing and hung up once I asked who this was and what it was in regards to : both were extrmely rude and abusive, yelling and telling me I dont know what Im talking about. I called back and reached a lady by the name of XXXX XXXX : she refused to tell me who she was until I verified my identity, even though all three times I stated I was the person they were looking for. They would not proceed until I gave my personal information. After I asked why they were calling so late, she proceeded to get rude as well ; yelling and harassing me the entire time.
Consumer complaint received 2017-12-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I AM FROM NEW YORK STATE On XXXX/XXXX/XXXX Ive reached out to someone XXXX XXXX sell my portion of bitcoin to. I found this person via XXXX. After talking through text for a few hours, we agreed upon $ XXXX For XXXX XXXX, the {$340.00} was to be paid by him via the cash app. 

This scammers number was a voip number. 

Initially I sent a small amount of BTC to him and he sent money via cash app. I figured it was okay to continue the rest of the transaction. 

Sent XXXX to him and that was it, i called texted and received zero response. 

Frustrated his has happened, I went back to the original XXXX ad. Instead of texting the number on the ad, I emailed instead asking to buy XXXX BTC in cash The original XXXX ad was set to XXXX, PA. I received an email response a few hours later from XXXX XXXX  asking if I was from California. I told him yes and began chatting on where to meet up to make the sale. 

I learned he is in XXXX, Ca, so I called the XXXX police department and explained to them what happened. A detective will be calling me back on a weekday to talk further. The officer I spoke to said its most likely can set up a sting to catch him. 

I have tried to call Coinbase but the dont have an actual phone number. 

I have called XXXX cash card and explained to them what happened, asking for the phone number of the person that scammed me. 10 days until they respond. 

I have records of all texts, transactions with numbers, his voip number, original XXXX ad as well as bitcoin wallet addresses I was giving by him. 

This is the original XXXX ad XXXX : XXXX
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NJ)

I checked my Wells Fargo online account today and noticed that it showed a {$290.00} balance but {$0.00} available credit. I have a {$1000.00} credit line on this card. I checked my posted transactions and saw that 2 recent payments had posted to my account ( {$360.00} on XX/XX/XXXX and {$410.00} on XX/XX/XXXX ). I emailed Wells Fargo immediately and was told that these payments were " on hold until XX/XX/XXXX and XX/XX/XXXX '' as I had made " too many payments '' to my account this month. Another check of both my Wells Fargo account and my bank accounts showed that not only does my Wells Fargo show these payments as posted, but my Bank accounts show the money as having been withdrawn from my bank accounts on XX/XX/XXXX ( the {$410.00} payment ) and XX/XX/XXXX ( the {$360.00} payment ). In addition, I received my most recent billing statement from Wells Fargo via email on XX/XX/XXXX showing a balance of {$370.00}, which obviously includes the payment of $ 400+ that I had made on XX/XX/XXXX. Lastly, that billing statement has a due date of XX/XX/XXXX that I would not be able to pay on because I have " paid too many times. '' Quite frankly, I feel as if I have been robbed. Am I being charged interest on these non-payments? The money was taken from my bank accounts but is somehow not being paid towards my credit card. Yet, it is SHOWING as being paid towards my card when I check my account. But, Wells Fargo says it isn't. So, the payment is being posted according to them but it isn't being posted? Also, will I be penalized for going over my credit limit when I have nearly {$700.00} before I reach my limit? This is ludicrous.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I filed a complaint years ago an the account was supposed to be marked not to create an escrow account without my permission. ( case XXXX ) I called in to try and resolve and the rep refused to transfer me to a manager or the office of the president after I provided all the information requested. I did not and WILL not be ok with bank or america creating an escrow account. I pay my taxes directly. I pay my insurance directly. The only taxes due are the current year taxes and the year is not out.
Consumer complaint received 2017-09-27
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. (KS)

I previously had a student loan serviced by XXXX ; the loan went into default and was transferred to another servicer. I completed a loan rehabilitation program on XX/XX/XXXX and all derogatory information pertaining the payment history was supposed to be removed from my credit reports ; XXXX is the only servicer still reporting negative payment history and they are refusing to remove that information. I spoke to XXXX by phone on XX/XX/XXXX and was advised to send documentation via email verifying the loan has been rehabilitated and is in good standing ; I submitted all the requested documentation on the same day and was told I would receive a response within 3 business days- I have not received any communication. I filed a dispute with all 3 credit bureaus and ultimately had to file a complaint with the better business bureau to have the issue properly addressed. Equifax was in the process of investigating my dispute at the time therefore they were not included in my complaint ; at this time, they have resolved the dispute and the resolution was to change the payment history to " current '' for only 2 months out of 15 months that show derogatory information and to change the remarks on the account from " student loan permanently assigned to government '' to " consumer disputes after resolution ''. All other credit bureaus have reviewed the documentation I supplied to show the loan was rehabilitated and is in good standing with the current servicer, the guarantor and the Department of Education and they have either removed the account entirely or removed all late payment history from the record yet Equifax has only removed 2 months of late payment history. There is no reason why the negative information should still show up and I would like for it to be removed as it is detrimental to me.
Consumer complaint received 2017-12-10
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. (MO)

I have send this credit bureau several letters and filed over several complaints that has been ignored over and again for several inquiries that are showing on my credit file that they maintain under my social security number. I even send my complaint certified with tracking number XXXX. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXXCal.XX/XX/XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 
1. XXXX XXXX -XX/XX/XXXX XXXX. XXXX XXXX-XX/XX/XXXX 3. XXXX XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX XXXX  -XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused. The inquiries are still reporting on my credit report even after sending a letter of complaint to the creditors regarding these inquiries and still the credit bureau refused to remove them after claiming these are a factual record of file access.
Consumer complaint received 2017-08-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently filed a complaint with the CFPB about a fraudulent account that was being reported on my credit reports for XXXX and XXXX, which they have actually removed. However, a residual issue exists with that complaint. 1. XXXX has not readjusted my credit score from when the account was reported on my XXXX credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped 33 points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 2. XXXX has not readjusted my credit score from when the account was reported on my XXXX  credit report, which the day before the fraudulent account was placed on my credit report, my XXXX  score was XXXX. After the fraudulent account was placed on my XXXX credit report, my score dropped 27 points. XXXX has removed the fraudulent account, but my score still remains at XXXX. 3. Transunion never reported the fraudulent account on my Transunion credit report, HOWEVER, Transunion adjusted my credit score with them based on XXXX and XXXX reporting a 'new collection/major derogatory account '. Consequently, my credit score with Transunion dropped from XXXX to XXXX. ***Seems something inherently wrong with Transunion dropping my credit score with them based not on what was being reported on my Transunion credit report but rather what was being reported by the other two reporting agencies****. Regardless, neither XXXX, XXXX or Transunion have re-adjusted my credit scores to reflect that the fraudulent account was removed, which is resulting in higher interest rates for car and personal loans.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

This " compamy '' Rent Recovery Solutions is trying to collect a debt on an apartment that has gone out of business, I made the necessary agreements with the apartment before i moved to close out my payments because my mother passed away and I had to move out, so they honored my situation. Fast forward and this place is still harassing me trying to get a payment as well as reporting false information on my credit report for a business no longer around
Consumer complaint received 2016-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OH)

Demanding A Credit Bureau Investigate Confirmation # XXXX To Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : XXXX XXXX BAL. {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BAL. XXXX These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs. 
XXXX, XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

X/XX/2017 Transworld Systems Inc. sending letter for extortion of {$240.00} For Creditor XXXX XXXX XXXX XXXX. These are illegitimate charges and are a form of extortion.
Consumer complaint received 2017-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/17,XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ca XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX XX/XX/17,XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XX/XX/2017 XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Tx XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/17 All of these companies have inquiries on my credit report that were never authorized by me.
Consumer complaint received 2017-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

I recently created an account with XXXX XXXX in order to monitor my credit and improve my score. There were 2 derogatory marks, both from the Collection Bureau of Fort Walton Beach. At no time have I received any correspondence from them  about these charges. I have now filed a separate complaint for each of these. I tried to file a complaint through XXXX XXXX, but XXXX tells me my information does n't match theirs, so l get no where. This charge is for XXXX XXXX XXXX in the amount of XXXX and was opened X/XX/17. I h save no idea who they are or when.
Consumer complaint received 2017-08-03
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT CONCEPTS, INC. (OR)

I had a car loan for a vehicle with Credit Concepts originated on XXXX for the amount of {$7600.00} In or around XX/XX/XXXX I asked them to come get the vehicle as I could not afford it voluntary repo, the company does not have record of Repossession date. according to the company the vehicle sold to another party for the amount of {$3700.00} and left me a balance of {$3500.00} still owing, the company never sent me any correspondence regarding balance owed however claim they did. I received a writ of garnishment, dated XX/XX/XXXX that stated I was to return the property of the lender which had already been returned, I never received notice of court hearing that i had the right to attend. i have contacted the company on several occasions to inquire about amount owed after the sale and asked for documents to be sent to me, never received any documentation. Today XX/XX/XXXX my employer was notified to garnish my wages for {$8400.00}. When I called the Company regarding why I was never notified of a court hearing I was told that it was served to a person renting a room in my home and that person signed for it, this is giving information about a debt to someone that is not me and has no connection to me, not even my spouse or personal relation to me. this notice of court hearing I never received. on my Credit report it states my balance is {$5100.00}. last payment XX/XX/XXXXcharge off date XX/XX/XXXX, and last on time payment reported on XX/XX/XXXX. Now I am being Garnished for {$8400.00} effective XX/XX/XXXX both of these amounts are higher than the balance I owed when the vehicle was sold and the company says it has continued to collect interest, however the company has made no attempts to contact me regarding this debt. and on the front of the writ of garnishment it states for that the final four of my social security number is to be printed and yet my entire social security number is printed there. When the vehicle was repossessed I contacted the company to inquire and was given no information as to how much was owed. I even recently disputed this company on my credit report because they were reporting the same debt 3 times on one bureau and one them was removed and even to this day are reporting two separate times for the same debt one says started XX/XX/XXXX closed paid in full the other says started XX/XX/XXXX closed charged off. So not only did this company fail to provide me with what I owed after the repossession sale, they also disclosed information of my debt to a third party, i was never notified of a court hearing against me so was never given an option to dispute this in court. They had a court hearing in a county that is 3 hours away from where I live, and now they are charging me well over double what my debt was after the vehicle was repossessed and sold.
Consumer complaint received 2017-12-10
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. (NY)

I have recently been informed that there is negative information reported by XXXX/XXXX in the file maintained under my Social Security number at Experian. Upon reviewing a copy of my credit report, I see an entry listing as I have a {$760.00} charge-off onXX/XX/XXXX, which happens to be an inaccurate amount. The amount of {$820.00} was paid to XXXX/XXXX in the following installments : XX/XX/XXXX {$210.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} Experian was forwarded supporting documentation and refuses to remove the inaccurate information from my report.