davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-21
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: EQUIFAX, INC. (KY)

There is an inquiry reporting on my credit report from ( XXXX ) from the date ( XX/XX/2020 ) that does not belong to my. It is an error. The company has agreed and has asked the credit bureaus to remove the inquiry but it is still showing on my Equifax report.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (MA)

Good Afternoon ; I was actually shocked over the weekend to find a new medical collection from Original Creditor Name XXXX XXXX. I immediately contacted the company directly and spoke with XXXX XXXX and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on 2014, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CO)

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 2021-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Account opened with Coinbase XX/XX/XXXX. Additional deposits made XX/XX/XXXX and XXXX/XXXX/XXXX. 
Subsequently and on numerous occasions since, I tried to enter additional trades. Site response was, and is still, " Buys Currently Disabled. '' No explanation or remedies are offered. 
I have used all the customer support avenues available from Coinbase to no avail. No live customer support, either by voice or by live chat, is available. 
I am a retired senior with limited income. My Coinbase investment represents a substantial piece of my assets and I need to have access to my account. I need Coinbase to provide me with an explanation as to why this restriction was placed on my account and what I can do to have the restriction lifted.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CO)

Approx, 2-3 weeks ago, I received a Visa Debit Card from U.S. Bank, congratulating me for this new ReliaCard. I did not activate it right away, as I was trying to figure out the reason for receiving it. On XX/XX/2021 I called the customer service number on the back of the card to Activate the card. It provided several prompts for this process. As I navigated through this process, it became clear I needed more clarification about this scard. I asked to speak to a live representative. It was here I was told this card was issued by the department of Labor, which included unemployment benefits.I am a retired XXXX. employee and have be retired for 22 years. I, at no time requested umemployment benefits.I spoke today with a representative of US Bank Realiacard and requested this card be canceled. The person I spoked to said it woud be canceled and I should receive a confirmation letter to that effect in aprox. 30 days. He also encouraged me to contact the Federal Trade Comission ato report I D Theft. I need to add I did not apply any funds to this card.
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As you know reporting inaccurate information on my report is against the FCRA and if you do not have any written information to where it shows my consent to do this I ask you remove it immediately. 
Us Dept of Ed XXXX {$1200.00} Us Dept of Ed XXXX {$3400.00} Us Dept of Ed XXXX {$4800.00} Us Dept of Ed XXXX {$5300.00} XXXX XXXX {$0.00} As you know reporting inaccurate information on my report is against the FCRA and it needs to be removed Immediately if you do not have any written documentation of my consent to this I ask that it be removed immediately i can not gain in my life its really slowing me down.
Consumer complaint received 2021-01-21
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. (TX)

Experian wont allow me to submit multiple reasons on why XXXX is illegally requesting debt. 

Experian knows my information. They know I XXXX XXXX school XX/XX/XXXX. They should be familiar with student loans also. 

Therefore, they shouldnt be allowing XXXX or any other student loan services to attempt to collect a debt 3 months before its required to make payments. The promissory note stayed, 2 years after XXXX you begin paying. Afterward you can get forbearance or IBR. Etc. 

They attempted to collect XXXX school debt XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Then I called them in XXXX and had to get a forbearance. 

At the time, I was going through a lot of other things but now I realize I didnt even need a forbearance yet. They forced me to use it by using experian to report negatively. Experian didnt do their homework on this one and Ive had to suffer for 4 years because of it. 

Experian, do your homework and stop just taking the word of these crooked lenders. Especially XXXX.
Consumer complaint received 2018-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. ()

THIS IS MY THIRD COMPLAINT AGAINST XXXX XXXX FOR ALLOWING IDENTITY THEFT. 
IN XX/XX/2013 a XXXX XXXX Credit Card appeared on all 3 credit reports in the amount of {$7700.00}. 
See my response to the most recent complaint. 
XXXX XXXX mailed yet another letter requesting me to spend money on mailing them data. 
I will not spend one more dime mailing this corrupt, fraudster bank anything. 
IN order to close this complaint and stop me from writing every day if I have to they need to have mailed to me via email copies of CLEAN credit reports from all 3 agencies. They have been provided addresses and ssn info to clear up this matter and they continue to play cat and mouse about getting a XXXX XXXX XXXX XXXX credit card off of my credit report in the amount of {$7700.00}. 
I am so furious about this I can not see. 
I noted this error in XX/XX/2013 and complained then. I have written from XXXX spending money I should not have had to spend. Sure, one can say well it's a small amount. NO AMOUNT IS SMALL when you are dealing with a corrupt financial institution who has been fined and cited by the US Government for numerous laws broken - in my case, it is indentity theft, a credit card, and {$7700.00}, and finally failure by XXXX XXXX to take the necessary action in removing the {$7700.00} and providing to me copies of my credit reports. 
Again, I will write every week if necessary and I will only deal with XXXX XXXX through this site. No more letter writing or trying to deal directly with XXXX XXXX liars. I know - you are far too sophisticated to use the word lie - but you are big fat liars. 
Send me clean copies of my credit report NOW. 
XXXX XXXX XXXX
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Also, requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay such account.
Consumer complaint received 2021-01-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

On XX/XX/2020 i sent letters to Equifax, XXXX and XXXX to remove unauthorized accounts on my credit report that has been hurting my ability to move forward with my life. No investigation as been started to this day. 

1=Collection Bureau 2=XXXX XXXX XXXX 3=XXXX 3=XXXX XXXX XXXX It been over 30 days and now response form any of the credit bureaus on this matter. I need some kind of investigation done. Due to the Fair Reporting Credit Act if any investigation is not completed in 30 day but the credit bureaus all accounts in question must be deleted from that person report immediately.
Consumer complaint received 2021-01-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Card Acquisitions Group (CA)

On XX/XX/2021 I was called by a female associate who worked for a company named Foster And Monroe. She started off the call by saying she was looking for XXXX XXXX and I asked if I could confirm my social. 

I asked her was she attempting to obtain " location information '' as outlined in 15 USC 1692b. She stated yes and that she needed to read a statement that stating that this was an attempt to collect a debt and any information obtained can be used for that. 

I asked her was she stating or implying that I owed a debt. She stated, " Yes ''. 

This is where one of a few federal violations began. Pursuant to 15 USC 1692b states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; Violation # 1. 

I told her that I didn't owe any allege debt nor did I have any obligation to pay an alleged debt. I asked her how did she get my phone number and location information. 

She stated her client provided the information to them. Again, I never gave written consent for Foster and Monroe to contact me. 

Violation # 2 Pursuant to 15 U.S. Code 1692c I let the caller know that she was calling me on my cell phone as I was going into a meeting. The time of the call on XXXX XXXX  phone number was very inconvenient. 

Violation # 3 Pursuant to 15 U.S. Code 1692c ( 1 ) It was at this time that informed her that she was breaking and continuing to break multiple federal laws. I once again restated that I have no obligation to pay an allege debt. Additionally, I told her I would invoke my right to refuse to pay this allege debt. 

She told me that she would write it down that I was refusing to pay and that I should stop getting loans that I can't pay for. 

This was an insult to me and deemed obscene and abusive which is another violation pursuant to 15 U.S. Code 1692d. 

There were a minimum of 4 known violations on this call. I am invoking my right to receive my specified remedy and compensation for each violation of {$1000.00} per violation pursuant to 15 USC 1692K. 

Thank You.
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

other XXXX DSNB MACYS XXXX XX/XX/XXXX {$1200.00} credit card XXXX XXXX XX/XX/XXXX {$0.00} credit card XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$5700.00}
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (AL)

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i & 1681e. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be. 
available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with me full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters. 
from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. You are rejecting my letters and I have stated via mail & phone with your rude representative about my letters are created by software. You are not abiding by the US LAW. Process Attachments and Delete the Account.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (CA)

Hi Consumer Financial Protection Bureau ( CFPB ). My SoFi Money account has been frozen since XX/XX/XXXX. Today is XX/XX/XXXX. IT HAS BEEN OVER 90 DAYS, AND MY SOFI MONEY ACCOUNT IS STILL FROZEN. My account balance as of XX/XX/XXXX is {$4400.00}. Numerous calls have been made to SoFi, but no one is able to help me. My account is still frozen. It should NOT take this long to resolve any issue if there is any issue with my account in the first place. I want my SoFi Money account unfrozen and to have access to my money immediately. Feel free to contact me if you need my name, account number, or any other information. Please help me resolve this issue. Thank you.
Consumer complaint received 2017-07-16
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. (TN)

I filed a bankruptcy in  XXXX  there are inquiries on my report I am not aware of. I was under   XXXX   XXXX   from  XXXX - XXXX  when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX , XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.
Consumer complaint received 2021-12-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

Tried to call the credit agencies about the incorrect information on my report each one requested a ftc report. They said once they receive a ftc report they will cooperate and take the inquiries off my report.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent in numerous letters in with supporting information in regards to accounts listed on all three major credit bureaus ( Transunion, XXXX, and XXXX ) that are providing inaccurate, missing, and erroneous information. I have four collection accounts and two charge offs and they are all being reported inaccurately. The letters that I have sent in have been met with a response that state that they are verified and correct. I subscribe and pay for a credit monitoring service ( XXXX ) that shows that they are in fact NOT correct. I have received reponse letters from Transunion, XXXX and XXXX  all saying the same response and i have been met to no avail with any progress on getting these accounts deleted. Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved.
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted to contacted Transunion and XXXX on multiple occasion to investigate an account with XXXX XXXX XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old retired woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert XXXX , Transunion and XXXX I am overwhelmed and do not know what else to do.
Consumer complaint received 2021-01-21
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: Experian Information Solutions Inc. (FL)

This is my third attempt and I have attempted to remove inaccurate accounts XXXX and XXXX and it continues to report in my profile. The bureau has failed to provide and proof of executed contract with my signature on it and has not provide any information in 30 days of my initial request. I demand the following account to be removed from my profile.
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my third attempt and I have attempted to remove inaccurate accounts XXXX and XXXX and it continues to report in my profile. The bureau has failed to provide and proof of executed contract with my signature on it and has not provide any information in 30 days of my initial request. I demand the following account to be removed from my profile.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I applied for Mortgage loan with my bank, XXXX XXXX ( Home mortgage consultant ) NMLSR ID # XXXX reached out to me by phone and told me verbally what are the rates and the lender fee and she was nice, I submitted an application online and submitted every document she asked me for!! I got my pre-approval letter and I started looking for houses and when I found the house I want to buy, I signed my contract and 2 days later I asked her for my loan estimate, she started going around every question I asked about that and told me over the phone that I cant provide your loan estimate till I pay the fees up front!! I searched it and spoke to multi lender to find out that by law She provide me my loan estimate after 3 days of submitting my application. I sent her email asking for that again or I will reach out to CFPB and she called me talking rude and she said that she is not willing to do that till I make a real deal!! Shes trying to let me pay the fees up front and I have no idea what it will costs me to close on that house!!! She wants me get stuck with her offer!!! Please help
Consumer complaint received 2021-01-21
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.