davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-21
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: Cascade Capital, LLC (FL)

I previously contacted XXXX, Cascade Capital LLC & XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called XXXX & Cascade Capital LLC. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XX/XX/2017, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions. 

XXXX Cascade Capital LLC
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Celsius US Holding LLC (PA)

I while ago last year sometime myself and others who keep/kept our money with Crypto lender Celsius were advised that our funds would be frozen and we would lose access to our wallets until the cypto market leveled out or they found a buy I am assuming. The message you get on the app, and the website make it sound like more of an inconvenience. We had been lead to believe that our accounts would be unlocked at some point once things were straightens out. At lease that was the hope.. There was even few stories floating around that we would be allowed to keep up to 94 % our our wallets. I was kinda okay with that. But now I think being okay with that is even preposterous. Leaving any currency with anyone with any fiduciary duty to my funds should and with the end user/customer whole. I would like ALL of my crypto back. If the IRS can tax my crypto they can go to bat to help me claw it back from unscrupulous bankers that have decided what to do with my money, because the market is not going the way they wanted it to go. The resolution I am seeking is all {$7100.00} of my digital assets from XXXX to Cel. I have included a schedule of the contents of my Celsius account. This is the epitome of unfair. I was actually a Celsius ambassador before all of this. The fact that they can just sell off other people 's assets with such recklessness is apprehensible. As stated above if the IRS can tax this stuff measures should be taken to protect those early adopter such as myself from those who would do use harm, and attempt to take money out of our pockets and food out of those under our care. 

{$7100.00} Celsius {$390.00} XXXX CEL XXXX XXXX CEL / {$390.00} XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX / {$5400.00} XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX / {$430.00} USD Coin {$310.00} XXXX XXXX XXXX XXXX XXXX / {$310.00} XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX / {$300.00} XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX / {$230.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX / {$50.00} XXXX XXXX = {$1.00} XXXX % XXXX XXXX Price {$0.00} XXXX {$1.00} XXXX XXXXXXXX XXXX XXXX XXXX / {$1.00} XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX / {$0.00}
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (IL)

we informed XXXX XXXX this was a fraudulent account with no result, I sent information to the credit bureaus letting then know this was id, theft with no response. I sent a validation letter and keep getting verified with no explanation.
Consumer complaint received 2024-04-22
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: Bread Financial Holdings, Inc. (GA)

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. Im requesting a XXXX ( cancellation of Debt ) from the following charged XXXX  account listed below. Comenity Bank account number XXXX After checking my most current report the updated information states the account was purchased by XXXX XXXX XXXX, XXXX this account can not be reported as a charge XXXX  on my credit report if the account was sold to another lender. Please send the XXXX form
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (NV)

I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws ( 12 CFR Part 1006 - PART 1006 / 15 U.S. Code 1692g ). If you need to please contact the creditor to obtain verification of this alleged debt. 
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

My XXXX XXXX  credit reporting has been altered since the loan was sold and closed. It is reporting near correct on XXXX and XXXX, but terribly altered on Equifax. The Equifax credit reporting has the loan still be reported after the sale and transfer date of XX/XX/XXXX. The XXXX loan as also reported by XXXX has the start date as XX/XX/XXXX to its transfer date of XX/XX/XXXX. 

The loan is also not recording and reporting that each of the XXXX  months from XX/XX/XXXX to XX/XX/XXXX that there were XXXX payments that were made on time and should be recorded to the credit bureaus. At present this incorrect reporting is hurting our credit score because the account is not showing that a payment was made for each of those XXXX  months. ( doubled entries should not be indicated ). The CFPB says that the information should be reported correctly and complete.
Consumer complaint received 2023-02-16
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: Westlake Services, LLC (CA)

I have contacted Wilshire Consumer Credit over 6 times and I have sent XXXX emails. I have disputed this acct on XXXX twice. I have even supplied XXXX with the payoff letter. This acct as of today XX/XX/XXXX still has a balance and once again my XXXX dispute was not in my favor. The company states I still have a balance. This was paid off in XX/XX/XXXX.
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

Lvnv funding which is debt collectors accessed my credit report without my permission according to 15usc 1681n they violated my rights 3 times and must pay me per each violation by accessing my credit report they must pay XXXX for each totaling XXXX and must remove negative items from my credit report they also bought debt that was charged off in which they failed to show me actual paperwork bearing my wet signature
Consumer complaint received 2024-04-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (SC)

I just checked my credit report and notice a collections from Sunrise Credit Service collection on a cellphone bill from XXXX XXXX XXXX. I have not received any type of prior notice from this company before this was added to my credit report or a right to dispute the debt. This was my first time learning that I had the debt when I checked my credit report.
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc. (MI)

XXXX, XXXX and Complaint against " Caliber Home Loans, Inc. " ( a fictitious name used by XXXX XXXX XXXX XXXX and XXXX XXXX as a cover up ) and XXXX XXXX  XXXX, an XXXX XXXX  who operates massive Ponzi Scheme via sham conduits - XXXX XXXX and XXXX companies who collect all my money and who forged documents to steal my home. 

On XX/XX/XXXX " Caliber '' ( dba XXXX, aka XXXX XXXX ) provided evasive and full of lies respond to CFPB saying that " Caliber '' was a Servicer for my alleged " loan '' who purportedly " processed '' my payments, charges and advances while " Caliber '' was a " Serviver '' of my " loan ''. 

First, Caliber never was a Servicer of my alleged " loan ''. The REAL servicer was XXXX XXXX, XXXX ( former XXXX XXXX XXXX XXXX XXXX ) who acted under instructions from XXXX XXXX  who used XXXX XXXX XXXX XXXXXXXX XXXX  as an intermediary. 

XXXX XXXX XXXX XXXX used name of " Caliber " as a cover up. 

Second, Caliber [ read : XXXX ] never collected or processed any of my payments. It was done by XXXX XXXX XXXX who collected all my money and deposited them with XXXX XXXX XXXXXXXX. If XXXX did it- and it was admitted in writing, then Caliber did not do it. 

" Caliber '' [ read : XXXX ] claimed that the servicing RIGHTS [ not actual servicing activitirs ] were transferred from faux " servicer '' Caliber [ read : XXXX XXXX XXXX XXXX ( whose address is XXXX XXXX XXXX XXXX XXXX, XXXX TX ) were " transferred '' to fictitious corporation XXXX XXXX XXXX XXXX XXXX, a single member XXXX incorporated by XXXX XXXX as a cover up for XXXX, XXXX hedge fund, Caliber and XXXX  are both reformed XXXX XXXX, " accrued '' by XXXX XXXX XXXXXXXX in XXXX and restructures into a chain of faux companies who play roles of " servicers '' - without any servicing activities.. 

" Caliber " claimed that they provided " legit documents '' realted to my " ; loans '' such as forged XXXX  from faux " lender '' XXXXXXXX XXXX XXXX " Caliber '' on XX/XX/XXXX ( which " Caliber '' refuse to admit ) ; and undated forged Allonge where " Caliber '' " transferred '' to someone " loan '' which belonged to " XXXX '' according to " Caliber '' 's own words I demand disclosures based on which authority " Caliber '' prepared undated XXXX  where they transferred XXXX '' 's loan. 

I demand disclosures when this Allonge was prepared, and to WHOM " Caliber " transferred this Allonge I demand disclosures WHOM " Caliber '' was servicing all this time if XXXX has no records of Caliber 's servicing, proven by XXXX official responses I demand disclosures WHO authorized transfer of " Servicing rights '' from XXXX XXXX " Caliber '' [ XXXX XXXX ] to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the name of an individual employee at Caliber [ XXXX XXXX who approved this transfer
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

COMPANIES Violated the law by allowing the two items below to be re-added to my credit report after they were removed without Sending me proper notification Item 1 : Judgement amount : {$2500.00}. This item was removed from my credit as a Judgment on XX/XX/XXXX after I challenged the item vigorously. It was then added back to my account onXX/XX/XXXX as a collection account owned by XXXX XXXX XXXX. This violates the law as stated below Item 2 : Collection account : XXXX XXXX {$50.00} This item was removed from my credit report after a vigorous fight on XX/XX/XXXX It was then re-added to my credit report onXX/XX/XXXX as XXXX XXXX In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA,
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (IN)

XX/XX/2024 XXXX XXXX issued to my closed checking account from XXXX XXXX XXXX. Wells Fargo will not send me the XXXX XXXX I have called several times over the course of 3 months and have been told every excuse as to why they can't send me my money.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-27
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I 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 2022-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: AC AutoPay LLC, Denver, CO Branch (CA)

XXXX XXXX alerted me to a " high probability '' of getting a new loan to refinance my car with AUTOPAY ( an affiliated company? ). Then after confirming my information ( identity, car ) they called me to say that I am qualified for the loan then rattled off the loan, interest rate, monthly payment. The monthly payment was HIGHER and so I said, no. I don't want the loan and the customer service person raised his voice at me and said " I MUST TELL YOU ABOUT ALL THE PRODUCTS YOU HAVE BEEN APPROVED FOR ... '' and went on to tell me that I was approved for their monthly oil change service, which was conveniently added to the LOAN and though he wanted to tell me MORE I said no. This is FRAUD. They were using my personal information to entice me to apply for something I DID NOT WANT NOR ASK FOR. This is fraud. Both XXXX and AutoPay should be punished and all those they defrauded should be compensated. They colluded to commit fraud upon me.
Consumer complaint received 2021-01-11
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: NAVY FEDERAL CREDIT UNION (IL)

There are 3 unauthorized inquires reporting to my XX/XX/XXXX report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are Navy Federal Credit Union and XX/XX/XXXX I contacted XX/XX/XXXX on XX/XX/2021 in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. XX/XX/XXXXis not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.
Consumer complaint received 2022-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-10-27
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CFW Holdings LLC (TX)

There is a collection account reporting to my credit report which lists Cash For Whatever as the original creditor of the account CASH FOR WHATEVER XXXX. I don't recall opening an account with your company, and there was no correspondence sent to me regarding this account or the sale of this account. Please send me debt validation of the account mentioned. I am also seeking the forward flow agreement as well as original paperwork with my signature for this account. Also please send the correspondence that was mailed to me informing me that this alleged debt was to be sold. Being that I am trying to validate the information you send me, I will not be providing any more information than I already have in order for me to fact check what the alleged collection agency is reporting. Furthermore, I will not accept any correspondence outside of the CFPB portal. I am not interested in anything being mailed to me. I am requesting all documentation to be sent via CFPB so that it is easier to keep record of in case of legal proceeding. If you can not furnish the requested information, I advise you to contact the collection agency and/or credit reporting agencies and have the account removed from my credit report due to FCRA violations. If information is not received within 15 days, I will have no choice but to escalate this to the FTC and further seek my options in small court. Thank you for your help with this matter.
Consumer complaint received 2022-10-27
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. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.