davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I never heard of Portfolio 's Recovery before XX/XX/XXXX when I came home to a notice taped to my door about a lawsuit in a place where everyone could see what is going on. They never sent anything by mail that I owed them a debt nor did they use a carrier service to deliver the summons, and lied to the court about this since I was working from home at the time. I have no knowledge of this debt and this company has failed to provide physical proof that I was the one who opened the account and without this proof, I am concerned that this company is trying to use a lawyer to pressure me into paying money that I do not owe. This includes statements that well under Arizona law, they do not need to show proof as to who opened the account yet when the account was opened, I was a Florida resident and was a Florida resident until XXXX. Also, under the US Constitution, the 4th Amendment to the bill of rights clearly states beyond a reasonable doubt. In this case I am looking for physical evidence that I was the one who opened the account such as pictures showing me opening the account or the signed original copies of the contract with my handwriting on it. Without this proof,, how do I not know I am a victim of a scam. Even more disturbing, the lawyer also did not state the law either. Now, I am receiving phone calls non-stop from this company and from multiple numbers to the point where it is interfering with my job. I am concerned someone falsely created the credit card statements, this company is running a scam, or someone had stolen my information in the past, which I am very certain one of the three is the case and they are trying to collect on money that I do not owe. This company also continues to disrespect me because they refuse to use my married name.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

The accounts are still here and I am writing to dispute these accounts. I did not owe these debt and it does not belong to me. I never established these accounts. 
XXXX XXXX XXXX XXXX US XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

Coinbase Support is Incompetent I requested my account be placed on security hold because I had experienced ID theft. The institution correctly placed the security protocol on my account. 

In my attempts to then regain access after replacing my SIM card and changing all my passwords, etc. The institution was consistently unresponsive ( multiple emails requesting assistance, refused to accept valid goverment photo ID, and continued to tell me I needed to wait to be contacted by email. 

On XX/XX/2020 i spoke to a supervisor and I was told I would be contacted to unlock my account and that I would need to provide a Drivers License. That I had no choice but to wait to be contacted by Coinbase. 

Unfortunately, Coinbase without contacting me disobeyed numerous internal security protocol and unlocked my account. Resulting in my funds being accessible without my knowledge or consent. 

Dont use Coinbase
Consumer complaint received 2017-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

Equifax is reporting a tax lien on my credit report with no identifying information that this is my debt. No name, address, birth date, SSN ... .NOTHING. I have asked that proper identifying information be provided to me and it has NOT. Remove it from my file IMMEDIATELY,
Consumer complaint received 2024-04-04
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. (LA)

On XX/XX/XXXX, Equifax signed and received a certified letter that contained a dispute along with a notarized identity verification letter that contained a copy of my drivers license and social security card. I spent money on notarizing the document specifically to verify my identity. On XX/XX/XXXX I received a letter from Equifax stating that because of the information I provided as of my identity does not match the information we currently have on my credit file. I have sent them dispute letters and verification for myself on at least 2 other occasions and i find it concerning that they are trying to use a stall tactic by asking me for information they should already have on file. How does submitting my drivers license and social security card that I have provided to them alreadygoing to verify what they already have on file for me. Its the same drivers license and socvial security card I have already sent them on 2 other occasions. It makes no sense to me and Im annoyed that instead of properly investing my dispute, the try and slow the process of allowing me the right to repair my credit by disputing the inaccurate information they have on file for me.
Consumer complaint received 2023-09-06
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: Experian Information Solutions Inc. (AZ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-09-06
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. (AZ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2020-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

It has become apparent that Amerihome is once again misapplying or not applying electronic mortgage payments that are receiving from me as they are once again threatening foreclosure and reporting that they have not been paid for six months. I have attached copies of payments made over the last 8 months. Additionally Amerihome is still refusing to update my mailing address. Further they have not delivered my tax information.
Consumer complaint received 2023-07-05
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. (ID)

I had a XXXX XXXX alert saying a hard inquiry was done XX/XX/2023 from XXXX ( XXXX & XXXX ) was the note, I have never used this company and have NOT applied for a loan with any company in the last year. I called XXXX and they would immediately either hang up or forward my call to an automated survey asking if I was satisfied. I still have no idea what this hard inquiry was about.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

The validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago, I requested an investigation as I believed that certain items were not being reported However, I received a letter a couple of days ago stating that your investigation was complete and that the items listed above were verified. I am requesting that you explain to me how you conducted your investigation and provide me with your method of verification. 
In your response, please include the following details : XXXX. Please explain what your representatives uncovered to lead them to believe that the item ( XXXX ) were being reported legally. 
XXXX. What certified documents were reviewed to conclude your investigation? 
XXXX. Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. 
XXXX. What was the cost incurred by your company to obtain the documents needed to complete your investigation? 
XXXX. Please provide proof of your timely procurement of certified documents. 
XXXX. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. 
XXXX. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. 
XXXX. Provide the date of the commencement of delinquency. 
XXXX. Please provide the specific date on which the items will cease to be reported. 

I respectfully request a notarized affidavit confirming that the information provided is true and correct, as per my civil rights granted under several federal laws. Please note that a form letter response will not be acceptable, and if you can not supply all of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or the requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. I have recently studied constitutional consumer protection laws along with civil/federal court procedures, and I will represent myself pro-se and will formally request a jury trial. 
Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-06
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. (DE)

The validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago, I requested an investigation as I believed that certain items were not being reported However, I received a letter a couple of days ago stating that your investigation was complete and that the items listed above were verified. I am requesting that you explain to me how you conducted your investigation and provide me with your method of verification. 
In your response, please include the following details : XXXX. Please explain what your representatives uncovered to lead them to believe that the item ( XXXX ) were being reported legally. 
XXXX. What certified documents were reviewed to conclude your investigation? 
XXXX. Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. 
XXXX. What was the cost incurred by your company to obtain the documents needed to complete your investigation? 
XXXX. Please provide proof of your timely procurement of certified documents. 
XXXX. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. 
XXXX. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. 
XXXX. Provide the date of the commencement of delinquency. 
XXXX. Please provide the specific date on which the items will cease to be reported. 

I respectfully request a notarized affidavit confirming that the information provided is true and correct, as per my civil rights granted under several federal laws. Please note that a form letter response will not be acceptable, and if you can not supply all of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or the requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. I have recently studied constitutional consumer protection laws along with civil/federal court procedures, and I will represent myself pro-se and will formally request a jury trial. 
Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a147.3K open end consumer credit plan as late for a purpose.

Please remove before this is illegal and I feel my rights have been violated.
Consumer complaint received 2023-08-24
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. (GA)

XXXX XXXX XXXX XXXX XXXX : XX/XX/2021 The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ameritech Financial (PA)

I was referred to this company to help with my student loans to not go into default. Ameritech Financial was charging me every month with the agreement to pay my student loans monthly. I was made aware that my student loans where not being paid and my loans were in jeopardy of defaulting. My income tax refund were taken and I was not eligible for any other assistance.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have not used my Capital One XXXX for XXXX XXXX before using my card on XX/XX/XXXX. I never received a bill. email, letter, text, or telephone call advising me that my payment was due or past due from XXXX to XXXX. My Alerts that I set up XXXX XXXX  prior failed to work. I did not notice I owed for this card until I tried to activate my other Capital One XXXX  on XX/XX/XXXX. I noticed my account was past due and immediately made a XXXX payment on XX/XX/XXXX and XXXX on XX/XX/XXXX. I called Customer Service to tell them what had happened and the Customer Service XXXX XXXX said the same thing had happened to her and you have to update the app once in a while but she can not do anything about it. I sent a letter to Capital One on XX/XX/XXXX and they never responded. I sent another letter to Capital One on XX/XX/XXXX and they finally responded. They sent copies of internal billing statements which I never received in XXXX and XXXX and they admitted that mistakes happen if you do not use your credit card much. I asked Capital to remove the XXXX  late mark on my credit report but they refused. I asked them to delete my account from the credit reports but they refused. They reduced the credit limit on both accounts XXXX from XXXX to XXXX and the other from XXXX to XXXX I have had this account since XXXX and I have never been late. My XXXX Credit Report was XXXX. Please help.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (WI)

Does the company Cashapp deny that at the time of the transaction ( XXXX ) in question being pended that I was injured and that it is because of the company Cashapp posting an amount of cash present for the transaction ( XXXX ) in question that they would not release and return back to my accountWhether they were completed or not is not in question.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc. (IL)

HI THERE its been more than 10 months now sine square deactivated my account and holding my XXXX $ first they sent me an email in which they told me to release my funds after 90 days after 90 days they sent me another email and told me that funds will be held for an additional 30 days Now all the dates has been passed but square is not responding me back and not releasing my funds also there is not a single chargeback on my account please understand we all have to die one day so I am a XXXX patient and need money badly if you do not release my funds I will be dead in next 10 days I will go to XXXX and then complain to Him what you people done to me I am crying and also cry daily too much time
Consumer complaint received 2018-10-18
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: ENCORE CAPITAL GROUP INC. (SC)

I called the credit card companies and told them I was unable to make the payments due to financial hardship I was having. The representatives with whom I spoke with several times, told me I had to pay regardless. Therefore, I had to make a drastic decision and I stop paying. Then, the cards were charged off. I started receiving calls everyday to collect the payments on charge off cards. Then my accounts was sold to XXXX XXXX and XXXX XXXX has been calling me everyday, and on my job. When they called my job, the representative would ask for me, they would have have to be transferred several times, not only that but once they are transferred to me, they would still ask for me, and when I would tell them I am not allowed to receive calls on my job and I hang up. This company still call me on my job. Now, I have received papers stating this company will be seeking legal actions if payments is not received by this month. I did not sign a contract with XXXX XXXX and I do not owe this agency. I have been receiving calls from so many other advertising companies due to my personal information being sold, even through the mail. I have gotten to the point I do not answer my phone because I don't know who is who or who to trust due to this.
Consumer complaint received 2024-06-12
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)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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