davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX  ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had called ( XXXX ) XXXX and opted out of preapprovals on XX/XX/2019 yet nothing is showing in my Trans Union report and my XXXX report reflecting that and I continue to be bothered with unwanted offers as well as unwanted inquiries appearing without my permission. 

Also, XXXX has my date of birth wrong since XX/XX/XXXX and my mailing address with them has become outdated.
Consumer complaint received 2024-06-04
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Velocity Portfolio Group (IL)

Velocity Investments , LLC has engaged in deceptive and misleading collections practices by making false statements about me. Their law firm -- XXXX XXXX XXXX XXXX -- has engaged in the same by failing to renounce Velocity 's false statements. 

On XX/XX/XXXX, Velocity made the following statement about me : "... This account is being serviced by XXXX XXXX XXXX XXXX XXXX. An initial demand letter was sent [ to Consumer ] on XX/XX/XXXX, and suit was filed on XX/XX/XXXX. Consumer has actively been avoiding service of the summons and complaint.... Should the consumer continue to have further questions or concerns we invite them to contact XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. '' Velocity 's claim that I am actively avoiding service is false and utterly absurd, for two reasons : 1. I told their attorney in XXXX that I would happily come to XXXX 's office to accept service of the summons/complaint in person. However, this never came to pass because of # 2 below : 2. Since XX/XX/XXXX ( more than a month prior to the XX/XX/XXXX statement above ), XXXXVelocity have *completely suspended their litigation against me, including all service attempts*. As the attached email succinctly notes : " We are not taking any legal action against you at this time. '' ( The litigation has been suspended pending Velocity 's review of the evidence I provided to them that irrefutably proves the futility of their case. ) Accordingly, I was utterly astonished by the brazenness of Velocity 's false claims against me on XX/XX/XXXX. Making their claims all the more absurd is the fact that I have been desperately trying to move this matter forward with Velocity and XXXX for months now, while Velocity has sat on the matter and has refused to engage ( there are literally dozens of emails that can be provided if need be to prove this ) with me in any way whatsoever. 

In addition, I have been contacting XXXX XXXX XXXX since XX/XX/XXXX, urging them to get their client to renounce these false statements, or at the very least for XXXX to renounce the false statements ( after all, Velocity 's statement clearly indicates that the information Velocity relied upon in writing the statement came from XXXX, the account holder/litigator in the matter ). As of today, I have heard from XXXX twice since the XXXX ( acknowledging receipt of my messages ) but they have completely ignored my requests.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DOB XXXX ATTN : Consumer Relations Department XXXX   XXXX Trans Union Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it : I dispute the fairness of the late payments being reported on the XXXX XXXX XXXX XXXX  account. These late payments are the fault of XXXX XXXX XXXX XXXX that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are late pays associated with this account, and that is no fault of mine. 
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Credit Management, Inc (AR)

I am receiving daily phone calls from this company who will not leave a voicemail from XX/XX/year> thru today XX/XX/year> each time from a different number than the last. I have called the number back from a separate line and they were requesting personal information in regards to collecting a debt to which I promptly hung up as I have not received any formal information via mail of an attempt for a debt to be collected and believed it to be a scam.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX  which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.coinbase.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX Based upon the understanding that www.coinbase.com is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to Coinbase. Unfortunately, Coinbase provided a formal response to our justified request, failing to provide the requested information about the VASPs hosting the beneficiary wallets. In my opinion, such behavior from www.coinbase.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address and SSN Card.
Consumer complaint received 2023-05-04
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. (VA)

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. 
XXXX XXXX Account Number XXXX, XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXX  XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number 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 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 2024-06-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (KY)

On XX/XX/year>, I tried opening both Citi Savings and Checking account online but kept receiving a technical error notice ( attached ).

I called Citi applications same day to get a resolution and then opt-in to complete application over the phone. After a long 40-60 minutes on the phone, this kind Citi personnel complete application over the phone, signed disclosure documents sent via email was and informed I would receive another email to upload documents ( proof of address - utility bill or pay stub, tax ID XXXX XXXX  confirmation document, ID - Government issued passport ). 


Minutes after the call, I received an email to upload documents. Below are documents submitted : -Gas and Electric Bill -XXXXXXXX XXXX XXXX -Government-Issued Passport -Tax ID - Form CP565 Today XX/XX/year>, I received an email to upload documents again. I opened the link only to see option to upload all documents again. I assumed this was a redundant notice and decided to call in for clarification.

Only for Citi customer support to inform me that my utility was accepted, passport was not accepted, XXXX ( I have no idea if that was also rejected ). I asked her to get me a supervisor since she was clearly reading out an ignorant note from who/whomever reviewed my documents. She said there is no supervisor to speak to. I hanged up right away, left the phone call very offended again.

At this point, I have had enough of some American Banks and their discrimination towards my birth country 's government-issued passport ( XXXX ) XXXX and frankly it is getting very exhausting reporting all these banks to the CFPB or legally pursuing these institutions before my accounts are opened.

I don't have an application number rather File Number XXXX
Consumer complaint received 2023-05-04
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. (CA)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance {$170.00}, XXXX XXXXXXXX Balance {$2000.00},, XXXX XXXX Balance : {$7600.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2019-08-28
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: MARINER FINANCE, LLC (KY)

i had a loan with personal finance back in XX/XX/2018, also at the time, i was going through a divorce, and a struggling with finance for 6 months time.
Consumer complaint received 2019-08-28
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: Santander Consumer USA Holdings Inc. (TX)

I do not have the date, but when I recently called the phone number in the letter from Santander Consumer USA, the representative could not tell me why my credit was run without my permission as evidenced in my XXXX   credit report. After writing XXXX, the item has been removed but I want to file a complaint for this should not have happened.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (FL)

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my EXETER FIN # XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2024-06-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

I received a letter from Synchrony Bank indicating that they are now charging XXXX per statement to receive a paper statement in the mail. This notice also stated that their interest rate was being increased to XXXX % on new purchases. I cant believe that a bank charging XXXX % interest has to charge XXXX for a paper statement. This is blatant gouging of consumers. I definitely wont be making any new purchases, but need a paper statement to clearly access my account and verify previous charges, bank fees etc. Forcing consumers to use online statements or pay a fee is not what I signed up for when opening this account and feel that this practice is unfair and helps banks/credit card companies slip things by consumers as online statements are sometimes missed or cant be accessed. Please do something to stop this unfair practice.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (AR)

I am filling a complaint against this company because I have written this company on three different occasions requesting a copy of the purchase agreement and or any other documents bearing my signature showing that I have legally binding contractual obligation to the alleged amount they claim that I owe. This company has not provided me with a purchase agreement or any other type of documentation bearing my signature. If this company can not validate this debt or produce documentation proving their claim, they are required Under Section 809 of the FDCPA to stop all collection and remove this account from my credit. I'm also a victim of identity theft and this company is aware of this information.
Consumer complaint received 2023-06-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (OK)

THE CREDIT FURNISHERS KEEPS BREAKING DODD FRANK ACT AND PURPOSEFULLY REPORTING A NEGATIVE REMARKD FOR LOAN XXXX. LAST XX/XX/year> THE VECHILCLE HAD A CLASS ACTION CLAIM FOR DEFECTIVE MOTORS. SEE ATTACHED
Consumer complaint received 2023-05-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (NY)

AS OF XX/XX/XXXX OF NOTICED FRUADULENT ACCOUNTS AND INQUIRIES ACCT NAME : NCB MANAGEMENT SERVICE Balance {$13000.00} Balance updated XXXX XXXX, XXXX Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. 
Status updated XX/XX/XXXX Contact info Name NCB MANAGEMENT SERVICE Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
Consumer complaint received 2024-06-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (CA)

I received the correspondence reference number # XXXX. 
I know that my taxes have been paid because I paid them. When I called the County, they stated that they did not have a payment from United Wholesale Mortgage on file and that the only electronic payment that I had was the one that I had paid.

When I called your company to inquire more, it was stated to me by one of the representatives that a check was sent from the department to County putting our escrow in the negative. The check number is XXXX, and it was sent on the date of XX/XX/year>. 

I put money into my escrow on XX/XX/year> from the Escrow Overage that was sent to us. I have also attached my bank statement highlighting where I paid my taxes online, which made my payment valid first. I have already verified with XXXX Tax County that they have never received a check from United Wholesale Mortgage. 
I paid the taxes first because they defaulted, which is why I paid them. 

The check that was sent was NEVER processed by the County, and that {$4300.00} is owed back to our escrow account since we already took care of the taxes electronically The USPS tracking number that UWM provided me also has no history of being mailed either PAYMENT WILL BE SENT VIA : USPS - PRIORITY XXXX