davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonded Business Services, Ltd. (CO)

I was served from Bonded Business Services,  LTD  in  XXXX   XXXX , the information says I need to file information for a debt I owe.     In  XXXX   XXXX  I bought our house and part of the loan was paying off anything listed on my credit report. Part of those were accounts owed t o Bonded Business Services and I have record from my loan company that they had   been paid.     In  XXXX   XXXX  I received noticed of debt owed to  Bonded Business Services a nd I called them to dispute, I was told then my accounts had been paid so I moved on and thought nothing of it, figured it was only a communication error. I was told on that day the accounts had been paid in  XXXX   XXXX . It has been confirmed with  Bonded Business Services this had taken place and is in the notes.      Since I was served now in  XXXX   XXXX , I was confused and calle d Bonded Business S ervices to once again clear up the confusion. I was called back by a  XXXX   XXXX  who identified herself as an employee o f Bonded Business  Services. In speaking with  XXXX   XXXX  she advised me that they accounts I show as paid were different accounts and I still have a judgement against me for another account. She never verified which accounts were for what, only stated I had paid  XXXX  services.     I think asked when I was notified of this and she mentioned I was notified in  XXXX   XXXX , she stated she saw in the notes that I had called and had been advised " the accounts had been paid '' I told  XXXX   XXXX  that was the only notification I had received and had called to dispute and was advised my accounts were paid, which she said confirmed that other than being served there are no records of other attempts to collect the debt or allow me to dispute further.     This is an error on Bonded Business Services, I am not convinced I owe the debt and I certainly should not be held liable for their error. I was advised my accounts had been paid, even  XXXX   XXXX  verified I had been told that but they will not help me further.
Consumer complaint received 2024-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NY)

Last XX/XX/XXXX, I sent the money from my XXXXXXXX XXXX  account to my XXXXXXXX XXXX account by using Wise, but the account numbers lacked last two digits, the money was transferred to someone elses account. I informed Wise and my XXXX XXXX, XXXX XXXX XXXX immediately. According to XXXX XXXX XXXXXXXX, they are unable to submit a claim of recall or dispute unless Wise or their partner bank initiates the request to XXXX XXXX XXXX. However, Wise answered just Now we are confirming so please waitor We have requested to recall for our partner bank however they dont respond yet.

It's been four months since the problem occurred, but the funds still haven't come back.
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (NC)

Im paying extra for 3 warranty {$3400.00} and gap insurance {$790.00} which is added in my car note and I cant use the warranty since us auto sales haven't paid XXXX the warranty company so they will not let me file a claim and now us auto sales is closed permanently.
Consumer complaint received 2017-09-18
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. (CA)

I requested my credit report from Experian today ( XX/XX/XXXX ). Everything looked correct except XXXX hard inquiry item that I did n't recognize : Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : XX/XX/XXXX XXXX XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-05
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: Experian Information Solutions Inc. (NC)

I recently reviewed my Experian credit report and I noticed there were inquiries that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Consumer complaint received 2017-09-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

XX/XX/XXXX I received a letter form XXXX XXXX XXXX thanking me for participation in the loan assistance process XX/XX/XXXX XXXX XXXX XXXX XXXX notified me regarding my loan number:XXXX, { XXXX }. A re-instatement order was submitted. By the Home loan team. Respond by XX/XX/XXXX completed the package forwarded to the Home Loan Team. XX/XX/XXXX I received a letter from Carrington Mortgage LLC Phone XXXX stating my loan had been transferred to their company. Loan no. XXXX Stating they would honor the { XXXX }. Submitted to XXXX XXXX XXXX,  However I submitted another { XXXX } with Carrington Mortgage LLC. After receiving a notice my deadline was XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX filed notice of a collection foreclosure hearing with XXXX XXXX XXXX XXXX XXXX. for XX/XX/XXXX another foreclosure hearing is set for XX/XX/XXXX Note : under NC.G.S. 45-21 16 { C }. 15 U.S.C.1692 a { 5 } > Lender is supposed to provide barrower XXXX XXXX an opportunity to resolve the matter through any an all resolutions ... I inquired about the status of my { XXXX } application? Once the barrower has submitted a { XXXX } .application the foreclosure process is supposed to ceased By according FHA , FEDERAL an  STATE LAW.
Consumer complaint received 2022-11-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Experian Experian Information Services XXXX XXXX XXXX XXXX, TX XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : Collections Please be advised that as of ( XX/XX/2024 ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : Account : XXXX XXXX XXXX  Account Number : XXXX Account XXXX XXXX  Account Number : XXXX Account : XXXX  Account Number : XXXX Account : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX Account Number : XXXX I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer reports without prejudice. Also, according to FCRA laws while investigating this matter you must remove above -mentioned account from my credit report while under investigation. 



Warm Regards, Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MT)

XXXX continues to allege that my account is delinquent. I made payment arrangements from XX/XX/year> to XX/XX/year> to be caught up, only to be told my account was still delinquent. I responded by asking in email for a complete reconciliation of the account payments including the purchase of the debt. This information has yet to be provided. 

After receiving threats of foreclosure. Including lies about receiving correspondence on my behalf from the Veteran Affairs. I have asked for the correspondence and it has also not been provided, which leads me to believe they fraudulently stated in order to coerce me into making a payment. 

Written notification XX/XX/year> to XXXXXXXX XXXX requesting original loan information proving that I owed the debt. Received response back without the information requested and legal representative insisted that the debt reporting to bureaus is accurate and would not be removed. 

They have no provided the information and I have requested complete information on the account to prove they are legally entitled to the collection of the debt.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2023-05-14
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. (AL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality

under 15 USC 1681.

XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

Inquiry XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Inquiry XXXX XXXX XXXX XXXX has violated my rights . 
Inquiry XXXX has violated my rights. 
Inquiry XXXX has violated my rights. 
Inquiry XX/XX/XXXX  XXXX has violated my rights.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I noticed a charge on my Truist XXXX and immediately filed a claim for it when it posted on XX/XX/XXXX claim XXXX. The charge was {$1200.00} for a plastering company in RI. I live in FL have no idea who the company and have never done business with them. When the claim was filed Truist stated they would investigate it, send me papers to sign for the dispute, block the card and reissue it. They also stated, it would take about 14 days for the claim to resolve. While the transaction was under investigation the amount would be deducted from my current balance, would not affect my minimum payment amount and I would not be charged interest on the card. I followed up on the claim on XXXX was then told I would need to wait longer for the dispute to resolve, and brought up the fact the amount was still in my balance, accruing interest, and affecting my minimum payment amount. On XX/XX/XXXX I noticed two additional fraudulent charges were made on the same account with the card that was supposed to be blocked and reissued. I confirmed with the representative that the card in question was never blocked and reissued and the charges were allowed to post so I filed another claim for those XXXX. I again questioned the resolution of the original claim XXXX made back on XX/XX/XXXX. I was told the claim could take up to 2 statement cycles. I have two statements one for XXXX one for XXXX both have the {$1200.00} amount showing, accruing interest, and affecting payment amount. I have lost all confidence that this claim will be resolved correctly, and me made whole as a consumer. Please help.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

Hello! How are you? Hope you're doing well today. Thank you for reading this. There is some incorrect information on my report, I believe it is because I share the same name as my father, and have some of his addresses on my report for some reason. I would like the following credit inquiries removed from my account. I do not recall authorizing these hard inquires, I want them taken off immediately please. I share the same name as my father, and have some overlapping information on my report that is his, like addresses, etc. I will take care of that in a separate report. For now, please remove the following inquiries from my report : Two inquires from XXXX XXXX  ( requested on XX/XX/2023 & XX/XX/2023 ). Two Inquiries from XXXX XXXX ( requested on XX/XX/2023 & XX/XX/2023 ). Two Inquiries from XXXX ( requested on XX/XX/2023 & XX/XX/2023 ). I would also like to request that two delinquency marks be removed from my report. From XXXX XXXX XXXX XXXX. I believe these to be errors, as I have always paid on time, and / or communicated with customer support as to when I will make a payment.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (GA)

I was offered a promotion for one year interest free financing. I made my payments on time each month in order to meet this promotion. I was calculating that it would be paid off by XX/XX/XXXX ( One year from my first due date ) I paid the full balance on XX/XX/2020 and on my next statement it showed a balance of {$670.00} because they applied the finance charges. I was never notified that the promotional one year financing was set to expire on XX/XX/XXXX. I spoke with several people at XXXX and they told me I should have done a better job of managing the account and there was nothing they could do. Additionally, I was never late and paid on time each month and it was clear by the amount I was paying each month I was attempting to meet the promotional deadline. If I would have know that I needed to pay before my payment due date I clearly would have. So by paying my bill on time I was charged the {$670.00} finance charge. They are refusing to make any adjustments at all even during COVID-19. It is  clear by not notifying me that the promotion was ending 11 months and not 12 months they intended to mislead me so they could charge the interest.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (FL)

On the date of XX/XX/2024 I sent out the attached document requesting validation of a debt that I am unaware of that has shown up on my credit report, as well as the certified mail documentation receipt with my wet signature stating that I received the proper notification of said debt. It has been more than 30 days and I have not received anything yet this is reporting on my credit report. Please see attached.
Consumer complaint received 2020-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion, XXXX  and XXXX  allowed my identity thief to login into my credit and insert fake address, and a phone number. I have contacted them multiple times to remove the information. The identity thief got car insurance in my name, and applied for credit cards and business loans. He uses a fake email in my name to gain access and he has a fake drivers license in my name. I have asked the three credit companies to block him with his email address. I have sent disputes about the fraudulent address & phone number and they have done nothing!!! I put a freeze on the account alone with a fraud alert. I have disputed the hard inquiries. Im not able to get a free credit report online because the thief manipulated my information. Help make these companies be more responsible for everyone credit info. I have filed a police report too.
Consumer complaint received 2024-03-04
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Chime Financial Inc (CA)

Chime financial return my direct deposit without any explanation very poor customer service every different person was giving me deferent explanation, they mentally and fanancialy abused me, left me without any money I have no money to pay rent and to buy food! I have to wait other XXXX weeks for the process to get my money back I am facing aviation becouse of Chime.
Consumer complaint received 2024-03-04
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 will not let me make trades in my account. When I try, I get an error message saying my account is under review and I can not make any deposits or withdrawals until it is finished. They sent an email requesting information which I provided. They have not sent me another email regarding any information. Even though I asked if there was any further information they need. I got an email saying that my complaint had been closed. I still can not make trades. The only way I've been able to communicate with them is in their chat window on their website. When I type a message it's XXXX to XXXX minutes before I get a reply and I've tried this several times now and they keep leading me in circles and tell me there will be an email soon. I've received no email my account is still closed they have my money I want to be able to close the account and get my money.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (OH)

I have never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. This collection needs to be DELETED as soon as possible.