davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Data Systems, Inc. (GA)

MEDICAL DATA SYSTEMS INC HAS COMMITTED IDENTITY FRAUD AS A HIPPA VIOLATION. 
MEDICAL DATA SYSTEMS INC ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ) AND SHARED IT WITH SEVERAL XXXX PARTY ENTITIES. 
MEDICAL DATA SYSTEMS DID NOT RECEIVE DISCLOSURE FORMS FROM XXXX XXXX WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

My mother had a mortgage loan that she was paying back and she had my name down for if something should happen to her it would still be able to work out something to try and get ot paid well she passed away in XXXX  and I was left in the blind didn't know anything about what was going on other than this has to be paid or elseXXXX  Well nobody told me that I could have gotten payments lowered or got a modification on it or anything so we ended up losing it to foreclosure and my credit report or score was all messed up behind something that wasn't mine from the beginning know I'm suffering and I don't think it's right
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (TN)

Citibank NY which acts as an intermediary for XXXX XXXX was instructed to return funds to my XXXX XXXX account however after 3 years the funds have not been received and after repeated efforts to have the funds traced no response has been given.It is suspected that the funds were sent to the intermediary bank of XXXX XXXX  which is a XXXX XXXX account however to Date no updates have been given. The institution XXXX has made efforts to request a trace be done to locate the funds CITI bank has been unresponsive in thus request.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

business checking was said to be compromised and put on deposit only status. account was put on restriction for 5 months for an unknown reason. New accounts opened with all the proper credentials. but then abruptly closed due to no signature card but signature card was in possession of bank manager. all XXXX  payments were stopped and can not be made. letters from bank manager for discrepancies in account but band manager claims to not have sent them. credit card terminal applied for but never received. possible violation of the safe banking act due to business converting to new products. bank tellers encouragement to close account and go to another bank. numerous lock outs and password resets
Consumer complaint received 2023-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Capio Partners, LLC (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2024-04-27
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. (MD)

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX : XXXX and list of Inquiries. 

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 2024-02-10
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: Experian Information Solutions Inc. (FL)

I filed a complaint with the cfpb stating that the credit reporting agency listed failed to provide information requested within the 30 day window allotted by law. They stated that I would receive a response to my request within 60 days of my request. The law states that the credit bureau has 30 days to provide this information so the credit bureau is already in violation of the law. Another waiting period is not acceptable and items are to be removed from my credit report immediately!
Consumer complaint received 2024-04-12
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (WI)

I have the right to take legal action if a creditor or credit reporting agency provides inaccurate information on my consumer report 15 U.S. Code 1681s2, even if they later update it. The false information caused me harm by reporting on my consumer report as accurate which was not. This has caused great harm to my reputation. I have provided the inaccurate consumer report along with the updated report as proof Comenity Bank/ Kay Jewelers has been reporting false inaccurate information.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (CO)

On XXXX I wrote 4 checks on my company account for my property taxes, which were intercepted in the USmail then cashed at an ATM for XXXX XXXX. I did not discover this until XXXX when I received a delinquent property tax notice. I checked my check copies and found that someone had written their name after the title of the county on the checks. I immediately contacted my UMB bank and they verified that indeed my checks had been altered and subsequent fraud had occurred. Check XXXX for {$2700.00}, check XXXX for {$2300.00}, check XXXX for {$1200.00}, and check XXXX for {$1900.00}, totaling {$8200.00}. I have the affidavits confirming the fraud and copies of the cashed checks through XXXX bank. UMB bank has given me no provisional credit while they try to secure the funds from XXXX XXXX  who released the funds. UMB bank has confirmed the fraud and XXXX XXXX  has denied it. I have been waiting for the funds to be released since the date the fraud was confirmed.
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

My loan was forgiven under the Public Service Loan Forgiveness Program last fall but Mohela continues to report false information about my account balance to the credit reporting agencies. This negatively affects my credit and multiple attempts to have it remedied through Mohela have been ignored.
Consumer complaint received 2015-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

My mortgage company, ' Nationstar ' has not been applyingmy monthly payments! 
They changed the payment amount, but did not inform me! 
I have talked to at least XXXX people at Nationstar over the past 7+ weeks, Every time I talk to someone, the story & amount changes! 
I talked to a Rep on XX/XX/XXXX who said the amount was {$1300.00}, However Nationstar says that was the wrong amount!? 
They have put on my credit report that I am 60+ days Late! 
I have made ALL of my payments on Time & in FULL!! 
I have contacted an Attorney!! 
" NATIONSTAR MORTGAGE " is a CRIMINAL JOKE!!
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TN)

On XX/XX/2023, I received a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX asking for assistance in purchasing an investment property in the XXXX area. I understand now that this was elaborate come on to introduce me to a fraudulent website ( XXXX  posing as a Coinbase website ). I unwittingly invested a great deal of money. The precise amount is not easily arrived at but suffice it to say it is over {$900000.00} but closer to {$990000.00}. He swindled me by posing as a person who was interested in moving from XXXX XXXX and wanting to buy a XXXX house in the XXXX area XXXX I am a XXXX XXXX XXXX and was a XXXX XXXX  I guess he was able to find me through that system. The initial contact began in XXXX through XX/XX/2023 using XXXX. I XXXX  him and found him listed as an immigrant from XXXX, who apparently had some ties and difficulty with the XXXX. He said he was also a former employee of XXXX as an XXXX. It was a hoax. He offered himself as one who could help me gain outsized profits in the Crypto currency market. The initial activity was sponsored by XXXX XXXX, ( XXXX, XXXX ). However, another individual is also involved. 

After repeated attempts to withdraw my funds from XXXX and profits and him going dark I gave up. However, a second perp named XXXX XXXX picked me up on XX/XX/2023. After, I went to my wealth manager at XXXX XXXX XXXX ) who said that it looked bad and that I should probably just call Coinbase if I hadnt already done so and see how they could help. He researched the number through XXXX and gave it to me to call. I did call. And reached a female by the name of XXXX XXXX. ( XXXX ) and she said she would get back to me, or have somebody, probably a supervisor, call me. Thats when I opened a chat from XXXX text message from XXXX, XXXX ( XXXX ). He said that he was the main person for XXXX fraud working for Coinbase and that he could help me for sure because hes done so in the past. At this time, XX/XX/XXXX, I filed a complaint with the XXXX XXXX  ( XXXX ) who referred me to the Local FBI XXXX XXXX ). I also, as directed by the XXXX  and FBI filled a complaint with the website IC3.Gov., XXXX XXXX. I have not heard back from them. 
So, there we go.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute inaccuracies in my credit report. Specifically, there is an account showing an outdated balance that should no longer be reporting, as well as an incorrect address and another individuals social security number attributed to my profile. Please investigate and correct these errors promptly. Thank you.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you. 

The following addresses are not mine. 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 2023-04-28
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. (SC)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXXXXXX XXXX Balance : {$4000.00}.
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (MI)

On the date of XX/XX/year> A utility bill of {$820.00}. was accounted on my account. I had no prior knowledge to this bill. Someone used my information in another state to use utilities. As current to date that bill is still on my account and has been sent to a collection agency and need help removing this charge immediately.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MS)

Reference XXXX American Express practices unjust enrichment by using soliciting to reel people in from preapproval letters but later denying them. I do not think that it's fair to take my name/signature just to gain money whether I'm denied or approved for your company 's enrichment WITHOUT compensating me.

REQUESTED INFORMATION : Please provide the factors underwriters used based on the law to which I was denied.
Consumer complaint received 2024-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

MOHELA has been confusing to work with since the start of loan repayment. They also do not allow payments made XXXX  days in advance to count for the next upcoming payment. I wanted to pay off a few months in advance, but was unable to do so. However, the main issue right now is the following : On XX/XX/XXXX, I received an email from MOHELA saying that my payments from XX/XX/XXXX to XX/XX/2023, would be counted toward my future payments. I had already made {$590.00} in payments during that time, and my monthly payment is {$430.00}. 

On XX/XX/XXXX, I received a bill saying that I owe {$430.00} by XX/XX/XXXX. This doesn't make sense. My XXXX bill, and {$160.00} of my XXXX bill should be covered by my past payments. I wrote to MOHELA -- since it is virtually impossible to get through to anyone on the phone -- that I want my payments applied properly to my future payments or to send me a refund so that I can pay my XXXX bill on time. I would prefer if they simply applied my payment to future payments. 

MOHELA did not take either of these actions. Instead, they called and left a voicemail asking me to call back. Again, it is virtually impossible to get through to anyone on the phone, so this situation has been left unresolved. 

MOHELA has been an absolute nightmare to work with, especially during this transitional period back to paying student loans. MOHELA should not be permitted to require any due payments until they have worked out their many issues, as they are causing a great deal of financial stress on loan payers who are already XXXX.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

XXXX. I applied for this Citi AAdvantage credit card, Which has a annual fee of {$590.00}. 
XXXX. When I received the card, I didn't activate the card knowing I no longer need this card. 
again repeating I didnt activate the card. 
XXXX. After 60 days I received a call from the citi back saying I have past due and What I have found out the annual fee is charged with another charge to the credit card which i disputed as the card is never activated. 
XXXX. When i talked to citibank further I was advised that they will close the account and the annual fee will be waived for which agreed the account is closed. 
XXXX. The citi bank still claiming annual fee for a not activated and closed account with interest and other fees. 
XXXX. I lost more than XXXX credit score points due to citi bank reporting to credit reporting agencies and calling me and harassing.

Please help.
Consumer complaint received 2024-04-29
Product: Credit reporting 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: EQUIFAX, INC. (MI)

I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 
These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo Bank, NA on a recorded line agrees that they made an error on 1099 form and refuse to correct it. They told me to see a tax advisor on XX/XX/24. Please see previous complaint XXXX. Wells Fargo made the error, agree they made the error and refuse to correct it. Please help.
Consumer complaint received 2024-02-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Credit Acceptance Corp, XXXX is reporting the following history on my credit report : {$32000.00} chargeoff, showing account open and past due with lates reporting every month since XXXX of XXXX. 

This account was charged off in XX/XX/XXXX. It is illegal to report late payments on an account that has been charged off, yet after disputing this with the credit bureaus, and after calling the company directly, they are refusing to stop reporting this account late every month since XXXX of XXXX. Because of this account reporting late every month for the past XXXX XXXX years, my credit is completely ruined and I am unable to purchase a car, a house, or obtain any type of credit at all. I have been stuck in this position for over XXXX years because of their refusal to correct this situation.
Consumer complaint received 2023-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (FL)

I am a natural person, a living human being, and I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Accounts- DYNAMIC RECOVERY SOLUTIONS, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  am not liable for any debt with DYNAMIC RECOVERY SOLUTIONS, XXXX XXXX I do not have a contract with them, they not provide me with the original contract as requested, I demand that these accounts be removed from my credit report.