davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southern Oregon Credit Service, Inc. (OR)

I received a letter only saying I needed too pay {$8900.00} with no explanation of what the bill was or when it was from. I received this letter in the beginning of XX/XX/XXXX. I called the debt collector and asked what it was for because I have been working hard to pay off all my debts and I know I don't owe anyone money and a lady told me I owe them this amount for a medical bill from XXXX. I have no idea what the medical bill is or where it came from. 

Today I was served with papers to be in court in XXXX and I am being sued for this amount.
Consumer complaint received 2024-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (DE)

Multiple attempts to receive affordable modification from Wells Fargo. Multiple responses from Wells Fargo to pay mortgage payment with a {$20.00} reduction, the payment requested was more than my salary and work commute fees. Housing speciallists, state agencies, and attorneys requested Wells Fargo review documents, and all responses were generalized without accurate reviews. Multiple requests to cfpb to look into this without success. Just received {$200.00} XXXX XXXX  check and letter from Wells Fargo that review was inaccurate and an apology for any impact to me. I was forced to sell my home for a reduced price, impacted my family and my credit, embarrassment throughout the community, and I am still trying to recover from the damage Wells Fargo caused by ignoring proper review procedures even though it was outlined by XXXX  and state agencies that they were in error. I submitted another complaint and cfpb review and received a cookie cutter response from Wells Fargo now saying no error, but I have a letter from them admitting errors. CFPB closed the complaint once again without review. How can Wells Fargo be allowed to conduct business when they are impacting people in this way with their unethical business practices? When does CFPB take these requests seriously? I thought a letter from them admitting errors would show CFPB that they need to investigate, so how is the complaint closed?
Consumer complaint received 2024-08-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (KS)

Claim I owe on a payday loan from 10+ years ago in XXXX The collection agency is XXXX  ( XXXX ) XXXX and have this number calling me multiple times a day ( XXXX ) XXXX
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. ()

Commencing on or around XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX CAD from my Crypto.com account to the fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-08-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (OH)

Debt Validation Letter mailed to Halsted XX/XX/2024. 
Under 15USC1692 ( e ) and 15USC1692 ( f ) evidence of authorization to seek any claim on me, The Living Woman/Living Witness to the legal name fraud, was not met. ( Please see all attached documentation : copy of signed and notarized in Truth debt validation letter as well as reply correspondence failing to provided requested Proof of Debt Validation ). 

NO CONSENT NO CONTRACT. 
Again, kindly provide me with a Valid Contract including : Full, Honest Disclosure Equal Consideration for both parties TWO wet ink human signatures - digital signatures are null & void.

Halsted Financial also continues to contact me using various 5-digit numbers claiming I owe this debt on my personal phone causing emotional and mental distress. I have opted out several times, stated Cease and Desist in Letter form, while they have continued to contact me from different numbers. ( Please see attached photographic proof ).

YOU HAVE 10 CALENDAR DAYS TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in legal action for consumer law violation under 15 USC 1681n, 15 USC 1681o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. Failure to respond satisfactory 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 : Defamation of Character Negligent enablement of identity fraud Fair debt collections practices act 15 USC 1692g violations Fair credit reporting act 15 USC 1681 violations for willful noncompliance 616 civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc. (CA)

after opening my accoutn and funding it with {$2900.00} I tried to withdraw my money, and my account got restricted imediately and skrill is blocking my account. I tried to reach out by calling their number ( they dont pick up the phone ) and by email ( no replies )
Consumer complaint received 2024-08-06
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (NC)

I have a new LLC and am trying to establish business credit. XXXX XXXX XXXX charged me a fee for their consultations and they directed me to open a XXXX account to help establish business credit, along with 3 other business accounts. I got an offer from XXXX that I was eligible for a secured credit card that would require a payment of {$100.00} and provided a credit line of {$100.00}. I got my card and did not see any information about the account, but soon saw that my personal credit scores dropped dramatically. I investigated and the cause was SELF pretending that I had a balance of almost {$800.00} with revolving credit charges and fees. I immediately called the company and demanded they close my SELF card which I had not activated and refund my money and their fees charged without my knowledge or authorization. They STILL HAVE NOT DONE THAT, and the account is still on all 3 of my personal credit bureau reports and is still harming my personal credit. After disputing this I expected to see the item moved to " Closed at Consumer Request '', but NOTHING has changed. I called them again and was told that the {$25.00} I initially paid for this program would NOT be returned and so far NOTHING has been done to correct this extortion.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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. 

Account Name XXXX XXXX have Violated My Rights : Account Number XXXX Account Name XXXX XXXX XXXX  have Violated My Rights : Account Number XXXX 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 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 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (TX)

I paid off my car over 2 years ago Honda Financial refuses to send my title. I have repeatedly requested via phone, mail and email and I continue to be send in circles. I have sent in the odometer form on 5 different occasions, and was told that the title had been sent only to find out months later that Honda Financial has no record of the odometer statement. XXXX XXXX XXXX XXXX XXXX also shared that they do not see where Honda Financial has requested a Title Transfer.
Consumer complaint received 2023-01-02
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. (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. 

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 BANK XXXX XXXX 15 U.S.C 1681 Section A. States I have the right to privacy. 

15 U.S.C 1681 Section 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 cost to believe that the information is inaccurate.
Consumer complaint received 2024-01-29
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I vehemently dispute the XXXXXXXX XXXX account ( XXXX ) on my credit report, opened on XX/XX/XXXX, with a balance of {$300000.00}. A glaring glitch in the creditor 's systems wrongly marked my XX/XX/XXXX payment as late, despite timely payment, and their verbal promise to fix this issue urgently. I demand immediate correction and vigilance from the bureau in rectifying this damaging error.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 2023-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penal ty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/year> I was charged {$130.00} for parking my car rental in a paid parking spot with my XXXX XXXX as I am a XXXX XXXX XXXX XXXX. According to federal XXXX regulations, I am exempt from paid XXXX XXXX XXXX XXXX XXXX I explained the situation to XXXX when I returned the vehicle and they said it was no problem Months later I get this charge saying XXXX paid for the parking ticket and because it was already paid, I could not get a refund from the parking authorities. XXXX took that money from my AMEX card. I disputed it with Amex and explained the situation and they told me that they would remove the charge. However, recently I received an e-mail stating that the charge will be re-applied to my account. Despite nothing having changed.
Consumer complaint received 2023-08-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (KY)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance XXXX {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} XXXX DPT EDXXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-01-02
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. (PA)

To whom this may concern, my name is XXXX XXXX XXXX, and I have recently discovered that I've become a victim of Identity Theft. I am writing this personal statement on my behalf of myself. My information was utilized to apply and or obtain financial goods and or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately. The account information is listed in this report and below : Accounts : 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 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear transunion & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 



XXXX XXXX XXXX : These accounts on transunion have not updated last reported day & 120 + 120 with both bureaus supposed to add 150 days instead of 120. This is inaccurate & last payment date can they send a payment from that date not charges & update the comment section on transunion. Or delete & i have 2 different payment received on XX/XX/year> & XX/XX/year> PLEASE SEND DOCUMENTS OF BANK STATEMENTS STATING YOU FURNISHED FUNDS PLEASE PROVIDE BANK FURNISHED STATING MY NAME OR ROUTING NUMBER. No any charges that doesnt verify. PROOF IN PDF XXXX XXXX XXXX : there are no negatives in payment history so there inaccurate & how im late on TU 90 days & late on XXXX 60 days theres no update in comments section & these accounts on TU HAVE NO UPDATE SUCH AS LAST DATE REPORTED. PLEASE PROVIDE BANK FURNISHED STATING MY NAME OR ROUTING NUMBER. No any charges that doesnt verify. PROOF IN PDF 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Consumer complaint received 2024-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2023-08-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

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!