davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (DC)

I received a statement in the mail last week stating that i had an outstanding balance for a purchase from XXXX XXXX XXXX that i made on XX/XX/XXXX. The purchase was paid off in XX/XX/XXXX. On XX/XX/XXXX I made efforts to reach out to the company. On every attempt that was made via telephone my calls were dropped. I then attempted to reach out via email. Each email was returned as not delivered. After doing further research i discovered that my personal account information was used for a purchase in XXXX XXXX, Louisiana on XX/XX/XXXX that i didnt authorize. My credit score has dropped due to the fraudulent activities.
Consumer complaint received 2023-05-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NJ)

They call me 4-6 times a day, every single day. Today, XX/XX/XXXX I have record of 4 and thats because they are still going to try and contacting me later. Yesterday, XX/XX/XXXX they called me 6 times and the day before, XX/XX/XXXX 6 times again. On going issue. 

I tried to resolve the issue about them closing my accounts for no reason- they claim they needed to verify my identity yet Ive had this account since XXXX and nothing of mine ever changed. Now Im stuck with debt that I cant pay all at once because they closed my accounts and now they keep harassing me every single day.
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (TX)

I had to replace the roof on my mortgaged home. Service Mac, the mortgagor, required the insurance company to issue all checks jointly, less my deductible which I paid directly to the roofing company. Insurance company issues 2 checks for additional work, jointly, and the work had been completed ( roofs took a day ). I executed the affidavit of completion, had it notarized, and the mortgage company is in agreement that the work has been completed and is satisfactory. 

The problem is now with the joint checks. I have mailed them in to have the checks endorsed and returned, as originally instructed verbally. Service Mac returns them and finally I understand they want me to endorse the check, then they will endorse and return to me in the mail. Once I understood this, I explained, as an attorney in 2 states, that this is very risky, as a fully endorsed check is essentially cash, and I would never mail thousands of dollars of cash through the mail. I offered two ( 2 ) solutions, 1 ) they endorse the check with no endorsement by me to return a partially endorsed check through the mail, or 2 ) They receive my endorsed check, deposit it, and reissue a check that is not endorsed to either myself, the roofing company, or even a joint check.

Service Mac draft loss department insisted that the only path is to mail a fully endorsed check back to me. I asked to be indemnified in the event the checked is cashed by a third party. They refused to do this as well, indicating that the loss would be on me, personally. At this point, my home owner 's insurance company has issued the funds to pay for this work and the vendor, XXXX XXXX, who did a fantastic job and is patiently assisting me by communicating with insurance and Service Mac, is owed these funds on my behalf. They will have no choice but to file suit or send me to collections soon in order to protect their right to payment. 

This policy is ill-thought and risky, putting mortgage holders at risk for financial losses they can not insure or protect themselves from. It has caused payment delinquency and subjected me to liability for a debt suit that would cause me further financial harm. As I have been unable to reach an individual at the company who can craft a solution to transfer these funds in a responsible manner, I have been advised by a colleague in the mortgage sector to file a complaint here to encourage swift resolution.
Consumer complaint received 2023-04-06
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. (MI)

XX/XX/2023 I contacted XXXX XXXX XXXX in regards of an dispute with experian stating that my balance is currently {$1600.00} when my balance is {$900.00}. I asked XXXX representive to please respond to experian with my accurate balance she told me no she not properly investigate and let them know my balance. I am trying to close on a home and this is effecting me by having innacurate on my report this is a violation of code 15 U.S.C 1681
Consumer complaint received 2023-04-02
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. (AZ)

NOTICE OF FAULT - EXPERIAN is reporting erroneous, miss information and making false claim on my private consumer report. The information that is being reported is not in uniformity with the other two credit agencies that have complied and corrected the status of this account, being a corporate commercial loan as it stands now Experian is in liability and may cause a repairable damage. The reporting is not in compliance with statute 1692, and any supporting Supreme Court case law under the federal credit I will be requesting certified information in the event this is not deleted.
Consumer complaint received 2023-04-06
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. (TN)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive attached copies of my consumer report showing these inaccuracies along with my ID, SSN and bank statement, I have also attached a photos of the certified stamps proving I sent these formal disputes
Consumer complaint received 2023-04-07
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. (OH)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} 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
Consumer complaint received 2023-04-02
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. (MD)

I requested credit bureau multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA. They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (GA)

On XX/XX/XXXX I reached out to this company because it appeared on my credit report. I called this company twice and they did not answer. They finally returned my call and was very rude and unhelpful. They informed me that 5 years after I moved out of my last location someone opened an account in my name. This account has been disputed in the past with a previous debt collector that transferred it to zions debt collectors. It was disputed as fraud. I have not lived at the said location since XXXX and due to that it was disputed with the credit bureaus and removed until apparently sold to zions debt collectors. It has since been in dispute again with all credit bureaus and currently under review. I have NEVER had a XXXX account. I dont even know what XXXX is. All of my accounts that I currently have open are in Georgia and they are all in good standing. I have never opened this account and zions debt collectors are very rude. They need to complete their research before placing items on credit reports and help the consumer to resolve these issues as any other debt collector may. They were not helpful and basically told me they werent doing anything until I got it removed myself. This company is fraudulent!!
Consumer complaint received 2023-05-17
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-04-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I opened a 3 month CD with Citibank online in XX/XX/XXXX. It matured on XX/XX/XXXX. I tried to close it online but the website directed me toward calling customer service. I called on XX/XX/XXXX to close the account. I was told that they could not transfer the $ XXXX into a different institution, and since I didn't have a savings account with Citibank XXXX the only way I could get my money was to have it mailed to me. I was told it could take up to 15 business days. 15 business days passed and I still had not received the check in the mail. After multiple fruitless phone calls, I went to my local branch ( Citibank XXXX XXXX XXXX XXXX XXXX ) on XXXX. A banker and XXXX said they couldn't give me my check. They told me to call an XXXX number, which I did that same day. The supervisor essentially said they'd have to cancel the first check, reissue another check, and I'd have to wait up to another 15 business days for my money. She also told me to go to my local branch and see if they could help. Essentially I've spent several hours trying to get my {$30000.00} back. I've waited over 3 weeks since I initially called to close my CD and still do not have my money. I've been told by several Citibank employees that " there's no process for this ''. They'd make notes in my chart but no action has been taken to get me my money back.
Consumer complaint received 2023-04-02
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. (AZ)

NOTICE OF FAULT-TransUnion is in continual reporting of incorrect erroneous information making false claims on my consumer report on a mortgage which is a not late. TransUnion is not reporting in uniformity with the other credit agencies on this report and is in violation of the federal credit act and statute 1692. I will now be demanding certified information to be sent by certified mail. In the event, this erroneous information is not corrected and not deleted I will seek counsel. This needs to be deleted immediately as it stands now there is liability for possible irreparable damages and stultification of business and private issues at hand.
Consumer complaint received 2023-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

I'm a XXXX XXXX XXXX and I was approached by an " investor '' who worked in Crypto Currency, who claimed to have $ XXXX to invest in a rental property. The first communication was via a phone call then after that it was all through XXXX. 
He said that he worked with a network of investors around the world with account balances in excess of $ XXXX and they all worked together to trade simultaneously and move the market. I tried investing {$1000.00}. I sent it to Coinbase via wire and there it was exchanged for crypto currency and from there it was transferred to a Coinbase Wallet where an exchange named XXXX was accessed through a " Wallet Login ''. The first investment went so well that I decided to invest more $ XXXX and of course the gains were astounding. At that point I told him that I needed to be able to withdrawal funds and of course he helped me with that. This went on for a while to the point where I had invested app $ XXXX. My account balance at that point was {>= $1,000,000}. He directed me into a trade for $ XXXX and it happened very quickly. I made the trade and at that point he called me right away to say I had to deposit another $ XXXX to protect the option trade. I told him that wasn't possible and we would just have to wait until the trade closed in 48hrs to see what happens. At that point he deposited $ XXXX into my account to boost the balance to $ XXXX. Just before the trade was set to expire, he called me and again he tried to get me to deposit an additional $ XXXX and or trade at least the last $ XXXX in my account and I told him no I was done. 
The trade finished and of course it was bad and I lost the $ XXXX. In retro spec I'm certain that the XXXX trading platform was fictitious and there were never any real trades made. 
The next step was to try to withdrawal the remaining $ XXXX in my account. I submitted a withdrawal request with XXXX and waited for about 4 hours then I contacted their tech support through the app. The response I received was that since this was the first large withdrawal from my account I had to provide a 20 % deposit to " prove funds '' within 3 days or my funds would be frozen on the block chain for 90days. I was desperate for the funds so I made the deposit. At that point they said I was number XXXX in the que for withdrawals and I had to be patient ... of course for a fee of $ XXXX I could achieve super account status and receive my withdrawal in 15 mins. I did not make the final $ XXXX deposit it became obvious at that point that it was a total scam. I have screen shots of all of this that I am glad to share. This was an amazingly well organized scam. I lost $ XXXX ... ..my life 's savings.
Consumer complaint received 2023-04-02
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. (DE)

company has discharged this debt. I attached proof. I asked the company on XX/XX/2023 to send me my copy of my 1099c. I attached proof to this letter. company has refused to send the 1099c. as per the IRS instruction : If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or1040-SR. I attached the IRS form as well. company is still reporting this discharged debt to my consumer report. you can not report income to an consumer report as per the IRS guidelines. Company sold my personal information without my permission to a third party who can not legally collect in my state.
Consumer complaint received 2023-04-07
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1-XXXX XXXX opened XX/XX/XXXX {$210.00} 2-XXXX XXXX opened XX/XX/XXXX {$420.00} 3-XXXX XXXX opened XX/XX/XXXX {$900.00} 4-XXXXXXXX XXXX opened XX/XX/XXXX {$1000.00} 5XXXX XXXX XXXX XX/XX/XXXX {$10000.00} 6-XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX {$530.00} 7XXXX  XXXX opened XX/XX/XXXX {$1600.00} 8XXXXXXXX XXXX  opened XX/XX/XXXX {$520.00} 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 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 2023-04-02
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. (GA)

I contacted the credit bureaus to ask for them to verify all accounts on my credit file. They stated that all is accurate. Upon further research on my part, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I asked for the credit bureaus to verify accuracies of what they were reporting and they claim it is all correct. Upon further research on my end, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX Acct # 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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge PIte Haan, LLP (FL)

I've had 3 accounts with XXXX. 

Two accounts I paid off fully, and I wound up paying nearly twice as much as I originally owed because of how high the interest rates are plus exorbitant charges for late fees or missing a payment. 

The third account I had was closed and sent to collection in XXXX. When I got the account, I was making more income, lost that job, and it took a while to get back to where I was. In the meantime, I fell behind on the minimum payments to this third account and it was closed and sent to a third-party collection agency, which wound up filing a lawsuit against me in NY, where my parents live and where I resided the last time I had used/paid toward the account. 

I contacted XXXX in XX/XX/XXXX. They told me to contact the collection agency directly. I did and they said they were going to send the account back to XXXX. I contacted XXXX again after speaking with the collection agency, letting them know and asking how I can communicate with XXXX once they received the account again to resolve and settle the debt. XXXX told me to follow up with them in a couple of weeks. I did in XX/XX/XXXX, and they never responded. 

Then in XX/XX/XXXX, I get a couple of letters in the mail from Debt relief businesses soliciting business for a lawsuit filed against me for the XXXX account in XXXX XXXX, Florida, where I live now and the address of which I had updated when I last spoke to XXXX I never received any actual notice of the lawsuit, I have no idea the status of it, how to check on it, or how to respond to it. 

I filed a complaint through the CFPB website. XXXX responded, but omitted any responsibility or communication I made with them, of which I had also forwarded emails and a follow up email in XX/XX/XXXX they never responded to. They deferred responsibility to a third-party collection agency they sold the debt to after ignoring my follow ups to settle it directly with them, that agency being Aldridge Pitte . I have no idea if they filed a lawsuit against me or sold the debt to someone else. I've never received any communication from them and they shouldn't have the debt in the first place.