davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Genesis credit management is based out of Washington so they shouldnt be even trying to conduct business where they are not registered to do so. Second they are a third party company that has bought my debt without my consent through XXXX XXXX at XXXX XXXX which is identity theft. Last but not lease the 3 credit bureaus have also put inaccurate information on my credit report in columns : account #, date opened, last reported, and date last active. How I kno they are incorrect is because everything is suppose to be the same across the column for all 3 credit reports, in which they are not. Also as a consumer I know that each violation on the credit report results in reimbursement of XXXX $ in which I will be demanding as well as it needs to be removed.
Consumer complaint received 2015-09-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (SC)

Santander Consumer USA somehow put my loan on auto pay when I have been paying by check since opening account. They withdrew an extra {$320.00} from my bank account in XXXX and XXXX of this year, causing {$140.00} in overdraft fees. I have been trying to get all my money back for month and everyone I call, they have excuse or need more information. They now owe me {$460.00} as s month has passed so another payment became due. They have embarrassed me at bank as I do not normally go in hole and I have n't been able to pay other bills and killing my credit! I work XXXX jobs and NEED MY MONEY BACK!
Consumer complaint received 2023-06-17
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. (NJ)

RE : Last XXXX XXXX To whom it may concern, I, Your Name, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : TBOM/ASPIRE XXXX XXXX XXXX
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-06-18
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. (NY)

I have filed multiple disputes with equifax and nation XXXX XXXX XXXX. I have uploaded my drivers license showing my signature which differs from the signatures on the lease application, in fact the leas application shows the same exact signature throughout the application. this application is fraud which I told XXXX XXXX XXXX and equifax, by reporting this false information XXXX XXXX XXXX  and equifax are in violation of the FCRA, " FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete '' I will be filing suit for this violation for both parties " EQUIFAX " and " XXXX XXXX XXXX '' I want this item removed from my credit report immediatly, my drivers license shows my signature and that my signature doesn't match this application, I've been a victim of fraud some years ago, I was told that XXXX XXXX XXXXXXXX also has my drivers license, they should have seen my signature on my drivers license and knew that the signature didn't match, that means that this debt was willfully reported with knowledge of the fraud.
Consumer complaint received 2023-06-18
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. (UNITED STATES MINOR OUTLYING ISLANDS)

I previously submitted a complaint to the CFPB on XX/XX/XXXX against XXXX XXXX Bank due to unfair practices of not letting me pay off my debt despite calling and following up with them multiple times, and hitting me with delinquent payments and hurting my credit score. My XXXXredit score has still not returned to the original value it was at before I had opened a card with this bank. I have always responsibly paid off all my debts and worked extremely hard to increase my credit score. Please see the attached file for my earlier credit scores ( in XX/XX/XXXX ), where Transunion was XXXX ( I'm currently only at XXXX ), and XXXX was at XXXX ( currently only at XXXX ). This is unacceptable and a violation of my rights as a customer.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (TX)

I was a regular payer of ELAN FINANCIAL SERVICE and I do not recall missing any payments. Yet, as I received my credit report there I noticed that I have a late payment which was on XX/XX/2022. I do not recall being late ever therefore I decided to file a dispute. I already sent multiple letters expecting for a response of for the inaccurate late payment to be removed. It has been a long wait but I was not notified of anything nor I noticed any changes with my account statement.
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (VA)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-06-17
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. (NJ)

RE : XXXX To Whom It May Concern : I am writing this letter to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fill in accounts you want to be disputed, be sure to add the account numbers with each account. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX Enclosed : copy of ID
Consumer complaint received 2023-06-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RIGHT START MORTGAGE, INC. (AZ)

I had a home mortgage with Right Start mortgage. Sold my house the middle of XXXX. Its now the middle of XXXX and I still don't have my escrow refund check. I called the company in XXXX they said they mailed it to the old address and it probably came back. I don't believe they mailed anything because they new I just sold it so why would they send there. So, I called and they said I had to do a change of address. They were supposed to email it to me why they did not call me or email me when it came back I don't know they have all that information any way, they sent the wrong form so I called again and this time they sent the right form It was filled out and faxed back to them. Then they said I had to wait 5 days and call them again to request they reissue the check. I did that and they said it would take 30 days to process which I don't understand since it had already been processed. Its been well over 30 days and still no check when I call all they tell me is its being processed. Its been over 4 months and they should not still be holding onto my money. I sure hope they pay me interest as well. I really don't think is legal for them to hold onto money that is not theirs.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit reporting act. XXXX account # 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 an account without my written instruction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo sent a claim to XXXX for XXXX XXXX XXXX ( Loan Number : XXXX ) for a fire that happened on XX/XX/2023. There are no incident reports of ( criminal or fire related issues ) for XX/XX/2023 at XXXX XXXX XXXX XXXX, MD XXXX. 

Wells Fargo reported the loss on XX/XX/2023. Again, there is no incident report. XXXX reviewed the claim and supposedly the house and sent over damage estimates. Wells Fargo was paid {$51000.00} on XX/XX/2023. XXXX sent the claim payment to XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX, CA XXXX. 

XXXX XXXX XXXX is not a part of the XXXX XXXX XXXXXXXX XXXX and should not have received any information or payment on behalf of the XXXX XXXX XXXXXXXX XXXX. 

Wells Fargo, again, has committed another fraudulent activity to obtain money from a home while the home is in short sale. They accepted the short sale offer and the insurance claim check. 

Our Short Sale Group, XXXX XXXX XXXX was not made aware of the insurance claim. To date, they are still uninformed of the claim or insurance payment. Emails of the short sale and insurance claim correspondence is attached below. 

Again, there are no incident reports for a fire on XX/XX/2023 at XXXX XXXX. Wells Fargo need to be sued and shut down. I'm sorry this information is beyond me. 

We also didn't receive any information of the incident, claim, and payment until after XX/XX/2023. The letter is postmarked XX/XX/2023. Photos and documents are included. 

Did Wells Fargo set the fire?
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

I added {$200.00} to my XXXX account via Coinbase while the price was about {$200.00}. It has withdrawn from my bank account but has remained pending for 36 hours. My last deposit was instant. My issue is that their customer service is talking about days to respond which can potentially cut my investment by 95 % at the current rate of growth. Also, side note, the app wont let me transfer money now.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (NV)

I opened an account on line with XXXX XXXX XXXX in XXXX nv and proceeded to transfer about XXXX from my discover XXXX and realized I made a mistake so I ran down and closed the new account with XXXX  The banker who closed account said the money will just go back to my discover account! Never has and I have spend 2 months calling sitting on hold, hung up on. And no one will complete this issue! They keep sending me here and there and nothings been done! I am XXXX XXXX XXXX and need that money to live on, I can not believe a multi XXXX dollar bank can not find my money! There were 4 transactions of XXXX, XXXX, XXXX, and XXXX XXXX! The lower 3 have been returned???? Why not my XXXX? They have caused me great deal or stress and time wasted on the phone. I need someone to help me. XXXX please
Consumer complaint received 2023-06-18
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. (PA)

First, the account is not recognized, d and neither is the information. After disputing it, XXXX reported it as a charge-off. 
this is a violation of 15 usc 16 18 1 e b here how they report it : Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updatedXXXX  XXXX, XXXX Original balance {$2000.00} Account info Account XXXX Open/closedClosed Date openedXXXX XXXX, XXXX Account typeUnsecured Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX StatusAccount charged off. {$1600.00} written off. 
Company soldXXXX XXXX XXXXXXXX After XXXX attend to get the XXXX, they refused to provide it, and instead send me a letter that they assigned the debt to a debt collector. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX XXXX XXXX XXXX XXXX. I presume that no proof of that alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The credit reporting agency is reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the US Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit reporting agencies nor do they verify or validate any information concerning bankruptcy. This is falsely stating this information on my credit report and have yet to remove it from my credit report.
Consumer complaint received 2023-06-18
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: Bread Financial Holdings, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I previously submitted a complaint to the CFPB on XX/XX/XXXX against Comenity Capital Bank due to unfair practices of not letting me pay off my debt despite calling and following up with them multiple times, and hitting me with delinquent payments and hurting my credit score. My credit score has still not returned to the original value it was at before I had opened a card with this bank. I have always responsibly paid off all my debts and worked extremely hard to increase my XXXX XXXX. Please see the attached file for my earlier credit scores ( in XX/XX/XXXX ), where XXXX was XXXX ( I'm currently only at XXXX ), and XXXX was at XXXX ( currently only at XXXX ). This is unacceptable and a violation of my rights as a customer.
Consumer complaint received 2023-06-17
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. (PA)

XXXX report late payment which didn't occur, without providing the option to opt out of that information reporting to a non-affliated 3 rd party prior to them reporting it in a court with 15 US CODE 68 0 2 XXXX must provide me with documentation of this and proof of my consent which is also a violation of 68 0 3 and 15 us code 68 0 1 Also, code 15 usc 1666 and code 15 usc 168 1 81 b when information is inaccurate as it is reported Payment history guide 60 days past due as of XX/XX/XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XX/XX/XXXX Moreover, late payments are transactions per 15 us code 1681 : any report containing information solely as to transaction experience between the consumer and the person making a report, this code that transaction are not included in a consumer report
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (OH)

On XX/XX/2023, XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2023-06-15
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. (OK)

In Accordance With The Fair Credit Reporting Act XXXX  XXXX, Has Violated My Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

My complaint is with Equifax scoring with XXXX points drop in my score. There is no rhyme or reason for for this astronomical drop in my score. There is no reason for Equifax or XXXX to drop my score. I have worked for years in getting my score to be good. This is preposterous and ruthless that Equifax would drop my score XXXX points. I'd like for CFPB challenge Equifax to challenge Equifax and XXXX XXXX XXXX for the unscrupulous and fraudulent charges on my account. I asked XXXX XXXX XXXX to give me some help because I ran into financial difficulty a few years ago. ACA, worked with me twice, then put my arrearages on the back of the loan. Since then, I've never been late. XXXX has extended my loan over XXXX year. 72 months was the original contract from 2016. I don't mind paying some penalties, but ACA to charge me {$3.00} penalty a day, is unequivocally fraudulent and ruthless. I want ACA to be investigated for fraud and for making attempts to ruin my credit. I've searched ACA on line and they are notorious for fraud and stealing from its customers. I will also report my concern to the, Federal Trade Commission in order to stop XXXX XXXX XXXX from hurting hard working customers like myself. Please, please stop this company from hurting honest and hard working Americans like me.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

I have reached out via phone and the online website for Lexis Nexis to receive my CLUE report multiple times. Every time they send me a letter saying they cant verify my identity. Despite me inputting my own accurate identifying information every time. I have emailed them a copy of my license and still they refuse to send my report. I can never reach a human being on the number they sent or numbers I found via XXXX searches. It was brought to my attention that the adverse incorrect information is there by me trying to obtain affordable auto insurance. Ive been denied by companies and had higher rates with my current provider due to this error. Id like to receive my report to be able to dispute the inaccuracy and file a civil suit. Even letters mailed do not get my report sent to me. Please help!
Consumer complaint received 2023-06-17
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: CCS Financial Services, Inc. (RI)

I have no knowledge of these accounts. And it needs to be removed from all 3 credit reporting agencies immediately. I did not provide express verbal or written consent to obtain any information about any of my personal and confidential private information.