davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (VA)

I have answered a bunch of phone calls almost day for a month, about my account that got behind last summer because of the covid XXXX so i was with out work for 3 months. So I reached out to XXXX XXXX XXXX XXXX. And told them what happened and I started a payment plan type of assistance with them to lower my payments to make it easier to pay off. So since XXXX of 2023 I have kept my end of the deal. They have not, they constantly report to my creditors im 120 days past do on my payment. My scrore drops in points, i also have told them my FINAL PAYMENT IS ALREADY IN ROUTE TO THEM. As of XXXX Saturday XXXX XXXX the intire bill will be paid XXXX and paid off. Different people from same company calling me asking for payment and if I don't comply its going to collections and they will take legal action. This company does not have ANY GOOD COMMUNICATION SKILLS among there employees. XXXX XXXX XXXX XXXX based in California. XXXX MORE THING- this item cost was {$1200.00} XXXX XXXX XXXX XXXX XXXX {$3200.00}, they have made a big profit just from my account with there crazy fees added on. And then to harass there customers like this is ridiculous...
Consumer complaint received 2023-04-12
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: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023 I received a notification that a lender ran my credit report causing a hard inquiry and my score to drop by XXXX points. At the time that this notification came through I was at my workplace and had no idea of this hard inquiry. I immediately called XXXX and submitted a dispute of this hard inquiry as I did not perform this action. I am requesting this inquiry be removed immediately and if any further action is performed on my credit report withemy consent this will be forwarded to the XXXX  and FTC identity theft.gov.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Each time, I meticulously listed the disputed accounts and highlighted the violations they were causing to my consumer report. 

Despite this, it has now been over 30 days, and I have not received any response from your end. 

For your reference, I have attached copies of all the letters I sent regarding these disputes. 

I urge you to address this matter promptly and provide a resolution.
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (NV)

This companys interest rate is astronomical and predatory, do not borrow from them. They take advantage of those in need and take so much in interest its impossible to pay the loan off. These companies are predatory and should not be allowed to be in business.
Consumer complaint received 2024-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC (CA)

In XX/XX/XXXX, I noticed an unrecognized collection account had hit my XXXX report from Monterey Financial Services in the amount of {$3100.00} for collections from XXXX XXXX XXXX. After further investigation, I realized it also appeared on my XXXX report. I contacted Monterey Financial to request more information regarding the collections. After receiving this in the mail, I sent them a dispute letter regarding the charges. I also sent a dispute to both credit bureaus. 

All three agencies refused to accept my dispute, and are continuing to attempt to penalize me for this fraudulent collection. Monterey Financials then sent me further documentation that they had regarding these charges, which further supports my case. 

They provided me with the documentation for a timeshare that I purchased with another individual back in XXXX. This timeshare was paid in full by approximately XXXX. Between XXXX, I defaulted on maintenance fees, and the timeshare was foreclosed upon and I was sent to collections. This account was closed. This can be confirmed through my credit reports ( likely between XXXX to XXXX ). I can not access this information as it is no longer available to me via credit agencies and do I keep records from over 10 years ago. However, if I am forced to take this matter to court, I will subpoena this documentation and offer it as proof. 

Now, Monterey Financial Services is attempting to collect maintenance fees from the period of XXXX on that same timeshare that was foreclosed upon 14 years ago. They have no documentation supporting any reason why this account would have been reopened. My last signature on file with them was from XXXX. The address that they have on file for the maintenance fees has not even been a valid address for me since XXXX. Additionally, I have not been associated with the joint account owner since XXXX, so there is no way that XXXX XXXX XXXX could have possibly had the joint authorization needed to reopen this account. This is clearly either a case of fraud or error. 

Since my attempts to correct this with both the collections agent and my credit bureaus have been unsuccessful, I am seeking assistance with the CFPB to help remedy this.
Consumer complaint received 2024-08-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (KS)

In XXXX MOHELA removed the account from my XXXX report. On XX/XX/XXXX they added it back onto my credit report as a " NEW '' account dropping my credit score XXXX points. It's not a NEW account. My student loans are deferred pending a closed school application. Also in XXXX, they added a XXXX loan to my XXXX credit report and they keep raising the balance each month. I have requested that they remove the XXXX account since I only have XXXX. This is not the first time that they have done this to me. The last time it took a year and a half for me to get it removed. You can not get through on the phone to these people. I have been " in transition '' on their website for months so I can not upload any proof to these people. When you call they are rude as can be. The federal loan website states my balance is {$22000.00} which is not reported on any of my credit bureaus. These people can literally ruin your well-being without any consequences. They report missed payments on student loans that were closed in XXXX that should not even be on my credit report any longer. 

I would like them to correct all of this my XX/XX/XXXX.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I RECENTLY CHECKED MY CONSUMER REPORT AND SEE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. SEE LIST BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

A few years ago, I was involved in cryptocurrency mining, so I created an account on Coinbase to manage my crypto assets. Over time, I made many transactions : I bought cryptocurrency on Coinbase with my credit card and transferred my earnings from XXXX to Coinbase. However, while buying and depositing money on Coinbase was not a problem, when I tried to withdraw it, I was informed that this service was not available in my country. 

A few months ago, my account was blocked. I tried to communicate through all possible channels, but I did not receive any assistance in resolving my issues. Later, my account was unblocked, but it now shows a XXXX balance. I would like to know what happened to my money.
Consumer complaint received 2023-06-22
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. (TX)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX  XXXX  XXXX Balance : {$2500.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-03
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. (FL)

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, has violated my rights. 

XXXX XXXX XXXX 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 2024-07-08
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. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts that i put in template has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. To remove.
Consumer complaint received 2023-06-23
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. (RI)

I had identity theft happen to me and called the credit card company and sent a written statement per there request. With that I also had the case number from filing a complaint with the Rhode Island State Police. This issue is still not updated on my credit report and I would like the derogatory remarks and card removed without any issues. This company is the worst to deal with, they never listened. Not only am I unable To obtain and sort of credit, it has made my XXXX XXXX worse, due to the stress. Im attaching the Rhode Island State Pokice report. I want this item resolved asap. I have waited for months. It shouldnt take More than 1 week. Ive had enough, I will have to obtain a lawyer if this doesn't get resolved ASAP. 
Thank you, XXXX
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi as I was away out of the USA my twin sister XXXX XXXX stole my identity along with my social XXXX XXXX open a fraudulent account with Capital One I trying apply for a new credit card they denied me stating I have a delinquent account I had XXXX account that I closed in great standard of a XXXX Balance as I sent Capital One informing this company that I didnt open no account nor did I maxed out my credit cards Capital One needs to clear any delinquent accounts thats fraudulent XXXX trying to apply for An new credit card XXXX not giving the opportunity of doing business back with Capital One which its not my fault. I attached a confession email from my twin sister admitting she stole my identity.
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

My statements for XXXX and XXXX have something suspense credit unapplied credit un applied payment reversal credit I have a bunch of them in several statements, for which the customer service does not have an explanation. 
Now my loan has been transferred to another company and this new company doesnt have access to that I need SLS to call me to provide explanation and also to send me explanation in writing for all those mentioned from XX/XX/XXXX to this point.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp. (FL)

I had opened a business account with Relayfi. A few months later they informed me that they were doing an update from XXXX to XXXX. Since I did not go ahead with the transfer from XXXX to XXXX, they closed my account and informed me that they will be sending me the funds from my account as a check to my home. However, XXXX  months later I am still running in circles and unable to get my money from them
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

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 1681XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.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 2024-06-30
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One debt, was charged off in XXXX XXXX XXXX, However collection company has called several times. I inform them to provide information pertain to debt in writing. To Please stop Calling Me, Never recieved the information i requested, I continue to get text message regarding that debt from debt collectors. The name of the collection agency is XXXX XXXX, PHONE # XXXX. The message are coming constantly beginning around XXXX, XXXX, XXXX, up until now. My rights have been violated. I never Provide written consent to furnish or obtain my personal information. The debt was XXXX.
Consumer complaint received 2024-07-13
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. (VA)

That XXXX XXXX XXXX account needs to be removed from my credit report I'm not waiting until XX/XX/year>. I'm still shocked of how the way your company is hold this account over my head. Do you think I was happy that I lost my job During COVID-19 crisis. I've also contacted the Virginia Attorney General as well about this matter your company is impacting my way of life physically and emotional.
Consumer complaint received 2017-12-30
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. (PR)

After Hurricane Maria passed through Puerto Rico, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies.

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice.

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.
Consumer complaint received 2017-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (PR)

Around XX/XX/2012 different companies under different names started calling my about a debt. Im not sure if it is a loan or credit card. My name is pretty common so I figured it was all a misunderstanding or identity theft. I tried to explain the company the person that owed them the money was not me. They kept calling repeatedly several times a day, they even harassed my partner and family to collect the debt. I even lost a job because of the derogatory mark on my credit report.
Consumer complaint received 2024-07-08
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX  of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

YOU VIOLATED THE UNITED STATES CODE LAW I REQUEST A REMOVAL OF UNAUTHORIZED INQUIRY 15 U.S Code 1681a ( 4 ) Consumer Right to Privacy You are reporting fraudulent accounts that arent actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. YOU ARE IN VIOLATION!!!

15 USC 1681n Civil liability for willful noncompliance you willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this. Willful compliance is punishable up to {$1000.00} per violation. 
18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. CODE 6802 ( b ) 1 ( a ) ( b ) ( c ) - Obligations concerning disclosures of personal information DID NOT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY DECEPTIVE OF YOU!! You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.