davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX For - XX/XX/XXXX Personal Information : Names : Shows my name right and spell right on this Report.

Issue with Experian keeps adding wrong names and address and other various information on my credit report.

Experian Report # XXXX For XX/XX/XXXX Personal information : Names Shows on this report added 2 names XXXX XXXX & XXXX in which does not show on Report # XXXX -XX/XX/XXXX now I have these 2 names showing that have not ever been on my credit reports.

Experian keeps adding information after I request wrong information be removed.

It makes no sense to keep creating names and address on my credit files I have the last past reports and Experian keeps creating information on my report.
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Malcolm S. Gerald and Associates, Inc. (IL)

My mother keeps receiving calls ( twice in XX/XX/XXXX and one at the end of XX/XX/XXXX ) from Malcolm S. Gerald and Associates regarding debt that has been paid in full more than 7 years ago. I have copies of my credit reports ( upon your request I will forward ) showing this debt has been paid, and there is no other delinquent debt in my name. I have also never received a debt validation statement or any kind of written communication proving I owe this debt after any of the phone calls.
Consumer complaint received 2017-04-17
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (IL)

On  XXXX   XXXX ,  XXXX , I contacted Rushcard via phone. I explained to customer service rep, I would like a copy of my transactions or statement for  XXXX   XXXX   XXXX ,  XXXX . He explained to me he was unable to provide the request. I was put me on hold fo r 5 m inutes. After being on hold, the rep informed me he would send a request to the  Corporate Office,  and I should receive documents requested in  1-3  business days via email. As of  XXXX   XXXX ,  XXXX  I have had any communication or received documents requested.
Consumer complaint received 2018-03-08
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. (AL)

Creditor : XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XX/XX/XXXX ) I contacted XXXXXXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/2017, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ORG GC GP BUYER, LLC (NY)

Back in 2013 I had an account with XXXX and I wasn't aware the amount the I owed wasn't paid. I ended up going in collections, and the day I was in collections I had paid the debt off right away, the amount was around {$600.00}. It is currently still showing on my credit report, in which I understand it was my fault by not realizing it wasn't paid in the first place. This i really affecting my credit score, as I am currently in the process of a mortgage. In all fairness I did not receive any letters stating that I owed any money, otherwise I would have paid since I did not have an issue paying the full amount when I realized I was in collections.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a letter in the mail stating they ( Transunion ) took my XXXX XXXX XXXXccount off of my credit report. I didnt ask them to do that. It is my longest credit history, therefore this will adversely affect my credit score. I previously submitted a compliant for them to update my accounts. I never asked them to delete a open account.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (FL)

Received call on XX/XX/XXXX re a direct deposit account they said I opened in XX/XX/XXXX. I did not receive direct deposit at that time. I was told my account had gone into default and they were taking me to court to collect over {$1200.00}, the original amount being around {$500.00}, and I would also be responsible for attorney fees and court costs. I was told that because it was a direct deposit account items had been paid against that account. However, I had no automatic bills to be paid at that time as I had lost my direct deposit job in XX/XX/XXXX due to the economic downturn. I have never received any notice of this debt in the past. I am astounded that I am getting a call threatening to take me to court unless I pay the money owed immediately without having received any prior notice. They said they are willing to work with XXXX XXXX to reduce the amount, but it must be paid in full immediately. I was also told that I would receive a 10 year judgement. My daughter was with me during the call and looked up the phone number they called from as well as the name of the company. She yelled into the phone that this was a scam and she was reporting them to the CFPB. The person on the other end immediately disconnected the call.
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Park View Credit (AL)

On XXXX/XXXX/XXXX I search the internet trying to find a mortgage company that would finances someone with a low credit score. And I came across a website that was set up like the federal government. That stated XXXX had a program that would help consumer with a low credit score buy a house. But, you had to fill out their form so that they could run your credit report to see which of their plans would work best. Will I fill out the form and was DENIED. Then less then 10 minutes later I received a call from XXXX XXXX XXXX XXXX XXXX XXXX representing their self as been afflicted with the Federal government ( XXXX XXXX department assistant consumer with getting approved for XXXX housing program. They promise me after reviewing my credit that they could get my credit score repair to at lest 80 to 100 point from what it was. I asked what was their process and how long should I expect to see any changes. And I was inform that base on my credit it should n't take them no longer then 3 to 4 months. I question them about a judgment for past due rent. And they told me that I did n't have to pay it that they could get it removed. After all their gran promise the total me that their fee was {$500.00}. and it was refundable if I was n't satisfied. I have tried emailing and calling to request my refund with no reply. All they did was mess my credit up worse then when I was.
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc. (OR)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Capital Credit & Collection Service , Inc . 
XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX : Acct # XXXXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXXXX, which you claim I owe {$740.00}. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally  defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2018-03-09
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)

My concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ZIONS BANCORPORATION (AZ)

In XX/XX/XXXX, National Bank of Arizona ( NBA ) sought a banking relationship with us by providing 2 money market and 2 checking accounts with the promise of " no fees. '' We moved our relationship that was on a no fee basis to NBA based on their representations ( XXXX XXXX XXXX, Sen VP and XXXX XXXX, President ). The NBA account on-line forms consistently stated no fees if a balance of {$5000.00} was maintained. At all relevant times, sufficient balances were retained. At first, NBA did not charge fees. Years later, the fees would appear on statements. We called and there were reversed. It happened with additional frequency, and we called ( XXXX XXXX XXXX or XXXX XXXX ) on each occasion resulting in a reversal. The fees were hidden with descriptions of " Business Analysis Fees '' or some other veniculer. When questioned, NBA would state that the fees were for not going paperless. We informed them this was a no fee set of accounts, agreed to go paperless and the fees were reversed. Months later they came back without notice or explanation. We called and were informed that they were reversed. With the preparation of the tax return for XX/XX/XXXX, it came to our attention that the fees were not reversed amounting approximately {$900.00} per account taken from our accounts. The precise amount is difficult to determine because NBA will not provide the information even though we have requested it on 4 separate occasions. On XX/XX/XXXX, XXXX XXXX ( NBA Branch Manager ) informed us that they had been taking monies out of our accounts since sometime in XX/XX/XXXX. No notice of a change in policy was sent and XXXX XXXX stated that NBA changed its policy because they felt that after 7 years of no fees, NBA needed to make money. We were not provided with choices to close the accounts and avoid fees, were not provided with notice of any changes in policy, did not authorize NBA to take fees from our accounts and feel as though we as well as others have been victimized by the NBA XXXX similar to the XXXX XXXX fraud recently coming to light.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2018 we purchased a piece of furniture from XXXX XXXX XXXX in XXXX, NV. We were told it could be delivered to our residence. They had us apply for a credit card through Synchrony Bank to receive 0 % financing. We have gotten notices that it would be delivered. It has not been delivered and yet we can not cancel the order or the card. We have tried to contact the store, to no avail and the corporate office with no help! Consumer Fraud! Please help. The amount for the purchase is {$1400.00}.
Consumer complaint received 2018-03-09
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: SELECT PORTFOLIO SERVICING, INC. (GA)

This complaint is in regard to the frivolous response last presented by XXXX XXXX XXXX ( SPS ) on Complaint # XXXX. 

SPS in their response failed to mentioned that on XX/XX/XXXX on a conference call with XXXX officer XXXX XXXX. SPS admitted that the account in question was First delinquent on XX/XX/XXXX. The fact that I filed bankruptcy in XX/XX/XXXX can not have any impact on the original delinquency date of XX/XX/XXXX. Therefore this XXXX  credit repoing practices by SPS PROLONGED the automatic removal date of this derogatory account which should have occurred on XX/XX/XXXX. Because of SPS credit reporting practices my credit was damaged for almost an additional year since they refused in multiple occasions to remove this account from CRAs. Additionally, XXXX XXXX XXXX Bankruptcy Case is not longer active and SPS was granted a lift of stay in XXXX so they could continue with the forclusure Case. In spite of the granting of lift of stay, SPS never continued with the foreclosure case.

I dont know from where SPS can changed the original delinquency date when a debtor files Bankruptcy, that is ilegal and in violation of the 15 USC section 605 ( 4 )  This account was removed from XXXX CRA on XX/XX/XXXX because it was overly reported by almost a year. Not because XXXX XXXX  XXXX Bankruptcy Case still active. 

I am bringing this information to CFPB so they can further investigate SPS credit reporting practices.
Consumer complaint received 2023-06-07
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. (MI)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023, XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

1. {$100000.00} was wired to my coinbase from a my wife 's bank account on XX/XX/17. Because the bank account name doesn't match my coinbase account, so the {$100000.00} was returned to her bank account. thanks for that. 
2. therefore, I wired {$50000.00} from our XXXX joint account on XX/XX/2017 to the same coinbase account, then never heard from the coinbase again. 
3. And i wired {$100000.00} from ourXX/XX/XXXX joint account on XX/XX/2017 to the same coinbase account, then never heard from the coinbase again. 
4. I sent request through the XXXX customer support 6 weeks ago with the case # XXXX, but nothing has been resolved. 
5. I put traces with both my banks two weeks ago, but your side never responded neither of the banks. 
6. It has been two and half months, no resolution to the total {$150000.00} fund. their customer service has not helped me any, and it is absolutely unfair to treat customers this way.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (IN)

PROCOLLECT , INC XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I have paid this. and they still have this on my credit report.
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (MD)

Starting in the  XXXX  if  XXXX , I began to experience financial hardships. I request ed that Wells Fargo w ork with me to lower the APR on my account and establish a payment plan that I could fit into my budget. This included an initially lowered monthly balance due, with it increasing as I paid off other financial obligations and money became available. The company agents refused, but did offer a short term payment plan to cover the delinquent amount due on my account. I fulfilled that plan. However, I was subsequently unable to make the bank-stipulated payments. Between the   XXXX   of  XXXX  and  XXXX   XXXX  ( approx.  XXXX   )  I repeatedly tried to make a repayment arrangement w ith Wells Fargo age nts, but was repeatedly told that they do not make repayment agreements ( that they would only accept payments in the amount listed in the monthly bill ), and that I should just contact them if I am able to make payments in the future. On  XXXX   XXXX , I was sent a letter informing me that my account was being reported as a loss.
Consumer complaint received 2017-06-17
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. (MN)

On  XXXX / XXXX / 17  TransUnion debited my  XXXX  credit card account for {$19.00}. The unauthorized charge was noticed today when paying my credit card bill. I immediately called Transunion regarding the charge. They indicated when I accepted an offer for {$1.00} to see m y credit score that t hey automatically enrolled me to have such information on an ongoing basis for {$19.00} a month. I advised them I did not authorize this, but was told they would not refund my money. I next called  XXXX . They were well aware of the practice but would not accept a dispute of the charge. ( Of course, they are a big user of TransUnion data, so I would n't expect them to bite a hand which feeds them so much personal consumer financial data. )  XXXX  asked if I had provided my credit card information to TransUnion to initiate the charge. I did not do so, but, of course, TransUnion would have that information in their massive financial data files on consumers..
Consumer complaint received 2023-06-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I submitted my reinvestigation request to all 3 credit bureaus on numerous occasions with proper identification required and have also requested that they block fraudulent inaccurate, erroneous, or misleading information in my credit files. I also provided my FTC report for the fraudulent accounts reporting on my credit profile and the only correspondence I receive is that I did not provide proper documents This is a stalling method that these bureaus continue to use in order not to process my request for a re-investigation. My rights are being violated at this point and I feel that they are i in compliance with the FCRA. This type of behavior needs to cease immediately and do what is right for the consumer.