davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio has been calling me multiple times a week, after explaining to them that I am unemployed and can not repay any debt that I owe. After explaining that Im unemployed because Im a XXXX XXXX XXXX to my XXXX XXXX XXXX  I was asked how Im getting by day to day, which to me was a very inappropriate question to ask since it has nothing to do with the debt. The person on the phone sounded very disrespectful, rude and belittling.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I received a letter from XXXX stating that XXXX was fraudulently opened on XX/XX/XXXX in my name despite having " fraud alerts '' placed with the credit reporting agencies back during COVID-19 XXXX when fraudulent accounts were opened then. I have freeze alerts and fraud alerts in place so I am not sure how this account was able to be inquired and opened. I contacted XXXX on Sunday XX/XX/XXXX and spoke with a representative that informed me he was aware the fraud occured and that they contacted the credit reporting agencies to remove the " hard inquiry '' and " tradeline '' however they are still reporting within my credit files. I do not live, or ever have lived at XXXX XXXX XXXX XXXX XXXX NJ XXXX and I believe this is the address used to complete the fraudulent application.
Consumer complaint received 2022-11-30
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 have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2023-06-15
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. (IL)

This is in response to the complaint that I have filed with your company as well as my previous disputes with all XXXX credit bureaus. These issues have not been resolved per my satisfaction no per the any FCRA requirements and this will be my last request before I file a lawsuit agains you as well as these reporting agencies.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-05-15
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: TRANSWORLD SYSTEMS INC (TX)

On XX/XX/2023 I requested Transworld Systems to send validate that competent evidence bearing my signature showing that I have some contractually obligation to pay. In response of my request, Transworld Systems send a statement which is not evidence of a signature for a agreement. Therefore, I sent another letter on XX/XX/2023. Requesting a signature.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (PR)

This company after several months sent me a debt collection again.this bad debt is XXXX XXXX XXXX and this account is closed by the credit grantor and agencies such as XXXX and XXXX continue to report it when was it eliminated from XXXX .the fair credit reporting law and my rights are violated
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-11-27
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: ALLY FINANCIAL INC. (DE)

ALLYFINANC - XX/XX/2022 XXXX ALLYFINANC - XX/XX/2022 XXXX ALLY FINANCIAL XX/XX/2022 XXXX I have never authorized Ally to run my credit i boughta car came with fin in hand use own bank contacted dealer as well as ally please remove there is no open accounts on my credit with ally as of XX/XX/2022
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (HI)

I HAVE PULLED MY REPORT AND SAW THESE ITEMS APPEARING THAT I AM NOT AWARE WHERE THEY CAME FROM. I DEMAND THESE ITEMS BE DELETED FROM MY REPORT. BELOW ARE THE ITEMS THAT I AM DISPUTING. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I have tried to dispute this debt as it is not mine as I have no knowledge of it nor did I authorize it and it was opened without my consent and fraudulently. I have requested it be removed XXXX times to no avail and have also frozen my credit so nothing else like this would happen to me again.
Consumer complaint received 2020-06-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

XXXX XXXX today received a phone call from a company called XXXX who works for ace cash express. And apparently are wanting to contact my place of employment and i told them i at work when i was called. Being told i was being sued for {$130.00} was insane. Im a XXXX vet and its hard enough to not have to deal with people like them. They wan na go to court very very pushy. The company XXXX keeps pushing for information to send paperwork employment my home. Ive gotten emails in the past about this same situation and i know that they can not tell my employer about this either. Going to court for XXXX $ is insane.
Consumer complaint received 2024-05-17
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. (TX)

I am surprised to see my credit scored decreased for an account I did not open as reported by XXXX XXXXhere is the report on credit karma below Account Opened New XXXXXXXX XXXX XXXX XXXX account detected Between XX/XX/XXXX and XX/XX/XXXX, your account with XXXXXXXX XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/XXXX. 

Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC. (NM)

On XX/XX/2023, I instructed Optum Bank to close my HSA account. The balance at that time was {$0.00}. I requested written confirmation of account closure to be sent via USPS first-class mail within one week ( no later than XX/XX/2023 ). It has now been three weeks since I instructed Optum Bank to close my account, and I have yet to receive any written confirmation from them. 

This is unacceptable, and is yet another example of Optum Bank  's poor customer service.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (FL)

In response to my first complaint XXXX XXXX XXXX XXXXXXXX XXXX called me and said there were 2 cashier 's checks sent to me on XX/XX/XXXX and a third check was sent on XX/XX/XXXX for the 3 accounts PNC bank closed without good reason, totaling {$29000.00}. I reminded XXXX on Thursday, XX/XX/XXXX that I am very low on funds and I must get some money as soon as possible. She made a reference to her need to stop payments on the original checks after so many days and promised to expedite payment to me. I asked her if she could wire funds to my bank as I am in financial distress. She answered no they won't do that. She promised to check back with me today but she did not call. 
It has been 18 days since PNC closed my accounts and I have yet to receive a XXXX of my money while I am going to be in arears with my bills and financial obligations. They are not being helpful nor are they expediting anything. They don't even call back when they promise to. How long must I suffer this financial hardship while they disinterestedly drag their feet? When I ask them why they have done this to me, a customer in good standing for 38 years, they answer that they aren't required to disclose their reasons for taking this action against me.
Consumer complaint received 2017-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I have a account in coinbase.com opened for Bitcoin selling/buig. They provide a few personal Wallets to operate in BTC ( Bitcoin ), EUR, LTC, ETH.
I deposited 10 EUR on my EUR Coinbase Wallet on XXXX XXXX XXXX.
I transfered my personal Bitcoins : XXXX BTC ( from external adress ) to my bitcoin Wallet on Coinbase on XXXX XXXX XXXX.
I sold my Bitcoins and transfered founds : XXXX to my EUR Wallet on Coinbase on XXXX XXXX XXXX. They got a fee XXXX.
On XXXX XXXX XXXX i requested withdraw XXXX from my EUR Wallet to my Bank Account in XXXX. Type of paymant was : SEPA. Coinbase write on they webpage that the transfer will be done in 4-5 days.
Bank Account was been verified ( i.e. small paymant was done before and checked that account is mine ).
To this day requested founds have not been transfered.
I writed two complain tickets on coinbase.com support page. First : XXXX XXXX XXXX, second XXXX XXXX XXXX. On both I have received only automated messages without any desire to solving the problem.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX I filed a complaint to the CFPB stating that TransUnion is falsely reporting a bankruptcy and that I would like it removed. They took 60 to complete the investigation responding with very little information and stated in the complaint they would send me a copy of the updated information on my credit report through mail. I never received the credit report. One month later, I called TransUnion to request a copy of my credit report and they still have not sent it to me. XX/XX/XXXX I tried XXXX to receive a copy only for them to tell me there was an open dispute on my credit report and I couldn't receive one. So i used my XXXX report, from XXXX XXXX to retrieve the report only to see that TransUnion is still reporting that the US Bankruptcy Court XXXX XXXX, GA is reporting the bankruptcy. I have enclosed a copy of the letter I wrote to the courts as well as the letter they sent back stating they do not report information to the credit bureaus. I wrote a letter to XXXX requesting a report and they stated in their letter, if the bankruptcy way before XXXX, TransUnion was using XXXX who verifies their bankruptcy information through PACER. I have enclosed a letter from XXXX showing they could not verify the information and they deleted the bankruptcy. They also deleted it from my XXXX XXXX XXXX. So I am confused as to who the furnisher is at this point. And seeing how they are falsely reporting this its in violation of my consumer rights 1681 ( a ) ( b ) to privacy and accuracy. At this time i am requesting that your agency hold TransUnion accountable and reinvestigate this matter and update the results, otherwise i am following up with my atty.
Consumer complaint received 2022-11-27
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. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Requested to remove PMI from my mortgage as the housing values have gone up exponentially over the past 2 years. Paid for a XXXX  and the appraiser used comps that I do not agree with due to the year built of the properties which does not correlate to newer builds. I disputed this with comps that were provided and it was denied due to homes not being as near as the XXXX comps but are more clearly similar due to year built.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

XXXX XXXX is charging me {$220.00} for service 's from XX/XX/XXXX to XX/XX/XXXX that I did not ever use XXXX ever I have never used any phone service except XXXX XXXX only I have no idea what thus bill is for the acceptance # XXXX the person i spoke with says its most likely idtheft please i am not paying for something I did not use
Consumer complaint received 2023-03-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

XXXX XXXX assigns and transfer a deed of trust from XXXX XXXX XXXX to Bank of New York Mellon a deed of trust instrument # XXXX recorded in XXXX XXXX records in California on XXXX. 
The address and information in this assignment is from debt collector, The debt collector XXXX XXXX XXXX XXXX  made false representation about, this assignment. 
XXXX XXXX XXXX  are collecting on a trust that is been charge off on XXXX and when they receive the debt was already on time bare to collect. 
I want bank of New York Mellon to release this loan that is not in their book entry. 
And XXXX XXXX XXXXXXXX XXXX rescind the corporate assignment.
Consumer complaint received 2023-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc. (OH)

I financed a massage therapy program with XXXX XXXX through Climb. The program documents I received prior to enrollment said the program qualified for state licensure. Upon graduation, I learned this was not true. I have spent the last few months fighting for a refund. Today I came across an article from CFPB XXXX XXXX XXXX sent to the XXXX regarding Climb and their shady business practices. This article states that Climb and their partner schools are deceptive and have a habit of the same situation I find myself involved. I have requested a refund from XXXX and Climb but I am still waiting for my funds to be given back. Climb informed me today that they have an agreement with XXXX where they pay monthly towards the outstanding accounts like mine and will disperse them in order of oldest to newest. I was previously told it would be 60-90 days from refund initiation. 
Finding the article today gave me a bit more hope that someone can help me. 
Thank you.
Consumer complaint received 2022-11-27
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-27
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. (NY)

Most of the hard inquiry and soft inquiry request on my credit report was never done by me by these companies that I never applied for no kind of credit or anything like that I called them and explained to them and they told me that they can not do nothing about it
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXXXXXX XXXX creditor XXXX formerly XXXX- # XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Capital one- # XXXX XXXX XXXX  # XXXX XXXX # All has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.