davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Riverwalk Financial Corporation (LA)

I had been incarcerated from XXXX until XXXX so there was no way I could pay this debt when it happened. The company that 's trying to get the payments is Deville Asset Management XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX.
Consumer complaint received 2023-05-20
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XX/XX/XXXX ; EQUIFAX MORTGAGE XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX.
Consumer complaint received 2021-06-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (WI)

This company is attempting to collect money I do not owe this is a falsified debt and also I tried to contact this company and they began to threaten to sue me and they were very disrespectful to me. I asked to see proof of contract between me and the original creditor to see what was going on they didnt send any information I also asked to see proof of the original lease agreement I never received that as well. This is a clear violation of the FCRA and FDCPA they are using untruthful and unfair tactics in order to scam me out of money. I want to see all of the necessary proof that I requested which is my right and failure to produce those documents within 30 days could very well result in a lawsuit in which I will seek compensation for the damage that this company is doing to my life and my credit report. I want the original signed contract by me also I want the original lease agreement signed by me also I want to see the payment history between me and the alleged landlord or company that rented the place as wel as a copy of my ID Card used to obtain this service or property and my SSN card. They have violated numerous of my rights once they threatened me and tried to lie as if I really owed them this amount of money when I do not this is not my debt at all I am also requesting copies of the original security deposit receipt and the proof reimbursement receipt as well
Consumer complaint received 2021-06-19
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)

XXXX, XXXX  & Equifax is who this complaint is about. They are reporting that I owe debt on my consumer report which is a violation to my consumer protection laws untie the United States Code Title 15 Chapter 41. There is not one law that states that I am obligated to pay a bill. As I read over all of the laws I havent found any laws that pertain to a natural person that State they are obligated to pay debt. If there is a law and I missed it please inform me. Also the TRUTH IN LENDING LAWS define the term credit as defined the right granted by a creditor to a debtor. Under the FDCPA definitions the term creditor means any person who offers or extends credit creating a debt. I am the credit and I extended it. I am the original creditor not the corporations who sold you my information which is also violating my consumer protection laws because I did not give them permission to sell my personal information and I did not give you the credit bureaus the right to furnish a report on me. I demand that all of the accounts I have listed on my letter be deleted ASAP! Or I will be seeking remedy.
Consumer complaint received 2023-10-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

On XX/XX/2023 XXXX received a Payoff Quote in the amount of {$9600.00}. On XX/XX/2023 I refinanced my vehicle through XXXX and a XXXX 's dated XX/XX/2023 in the amount of {$9600.00} was mailed certified. On XX/XX/2023 Fifth Third Bank received and deposited my payoff check. 
To date, these funds have not been applied to my account and l have been making XXXX car payments for the same vehicle. I have called their Customer Service line on XXXX occasions and have opened XXXX service requests. As instructed by their Customer Service Department l have faxed the cleared XXXX 's check with their endorsement on the back on XXXX separate occasions. On XX/XX/2023 l received a letter from Fifth Third stating that at this time Fifth Third is unable to process my request due to insufficient information or due to the current status of my loan. I was instructed to call Customer Service. I called their Customer Service Department and was given a list of excuses as to why my check hasn't been applied to my account which included that l mailed it to the wrong mail drop, even though I mailed it to the mail drop provided on the Fifth Third Bank Payoff letter. I was then told that because mailed it to the wrong mail drop, the check was shredded. The Customer Service Representative instructed me to request another payoff and submit funds again. This Customer Service Representative told me that l would not be reimbursed for all the payments I have been making over the months since the check was received and deposited by Fifth Third Bank. 
Fifth Third Bank has deposited my check and is refusing to apply the funds to my account.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First # XXXX is reporting a balance of {$420.00} that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.
Consumer complaint received 2021-06-20
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)

Hello I have for almost a year now have been following the law to have these credit bureaus TransunionXXXX XXXX XXXX XXXX look into accounts that I truly know are incorrect and inaccurate as well as fraudulent. I have been on more than XXXX occasions a victim of identity theft. 

I have sent dozens of certified letters and filed probably a dozen cfpb complaints on this manner. They have for a year straight violated the rights according to the LAWS pertaining to credit. 

Fair Credit Reporting Act ( FCRA ) XXXX XXXX b ) ( XXXX ) Modify the information, delete it or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. The law is very clear that the items must be deleted I would dispute the items and they would month after month send me reply after reply stating that the items are accurate and verified. Yet There hasn't been any proof sent on behalf of the credit bureau verifying this with any documents I have signed or committed to create. 

When I would question them on letters after their " alleged '' verification, I would ask how did they verify the accounts, what source they used and who was involved the names and method by which they " verified '' the items. 

Transunion, XXXX XXXX XXXX has yet to send me that proof or response. I have spoken with XXXX XXXX XXXX and they say I do have a case. Every letter I have ever sent them has been certified and trackable. 

I too can prove how they have broken the law for a year straight now. 

The amount of debts ran up on my credit are all fraud and I have even summited a police report and FTC identity theft report and sent those files to each of the XXXX credit bureaus listed in this complaint. 

Still Negative items that haven't been proven time and time again or verified or validated still remain on my credit report. 

Each time I would call and dispute I would always get a foreigner from another country more so the XXXX and they don't help truly dispute. 

At this time I am pleading with you all to help correct this error on their part. My letters explained how they are violating the law time and time again. 

The dates are from XXXX was when I first began the process of disputing inaccuracies. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Are all the months I disputed last year that I can remember. 

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with Last month XX/XX/XXXX I have disputed items every months listed and the same items and the same process the companies are not following the law as I have requested the items to be removed for violating the law and they are all incorrect and inaccurate.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Upon reviewing a copy of my credit report, I see an entry listing, such as I owe {$150.00} or my account was charged off {$150.00} in XXXX. The account number is XXXX
Consumer complaint received 2024-06-09
Product: Credit 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: Relay Financial (US), Corp. (FL)

Description of Events for Consumer Financial Protection Bureau Complaint Problem : I am experiencing a significant delay in retrieving funds disputed on a Visa card transaction in XX/XX/year>. Both XXXX and Relay Bank have failed to address the issue and adequately provide the advertised consumer protections. 

Timeline of Events : XX/XX/year> : Disputed a fraudulent transaction of {$500.00} against XXXX XXXX with XXXX XXXX Dispute Services. The card was a XXXX  debit card ending in XXXX with Relay Bank, and the dispute is being handled directly with XXXX XXXX Dispute Services. I spoke with Representative XXXX, who informed me the merchant had 45 days to respond ( by XX/XX/year> ). 

XXXX XX/XX/year> : Upon following up for a status update, I was requested to provide additional information : transaction date, details of the potential order, explanation of the situation, and the merchant 's guarantee policy documents. 

XX/XX/year> : I promptly submitted all requested information via fax ( XXXX ) and certified mail ( USPS Return Receipt confirmed delivery on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/year> : I contacted XXXX again to ask about the status. Representative XXXX stated my information was submitted on XX/XX/XXXX with a 30-day merchant response window ( deadline XX/XX/XXXX ). 

XX/XX/year> : Follow-up contact revealed conflicting information. Representative XXXX acknowledged receipt of documents but denied a merchant response deadline, contradicting XXXX 's prior statement. 

XX/XX/year> : Still lacking resolution, I contacted XXXX again. Representative XXXX confirmed document possession, merchant non-response, and an indefinite resolution timeframe ( 3-5 days for their team to reach out ). Confirmation number XXXX was provided. 

Impact and Concerns : -This ongoing delay in retrieving my funds creates a significant financial hardship. 
-The inconsistency in information provided by XXXX representatives is deeply concerning. 
-The lack of a clear timeframe for resolving the dispute is unacceptable. 
XXXX XXXX and Relay Bank have failed to uphold their advertised consumer protections. 

Desired Outcome : I demand an immediate refund of the disputed transaction amount. 

I urge the Consumer Financial Protection Bureau to investigate the practices of Visa and Relay Bank regarding dispute resolution timelines and communication with consumers. 

This description effectively outlines the situation, highlights the problematic aspects of XXXX and Relay Bank 's handling of the dispute, and emphasizes the financial hardship I am facing.
Consumer complaint received 2021-06-20
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. (TX)

I am filing this complaint because Equifax, XXXX  and XXXX  have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2024-06-09
Product: Credit 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: TD BANK US HOLDING COMPANY (IN)

I noticed an online fraudulent charge on my credit card from XXXX for {$70.00} on XX/XX/XXXX. I did not authorize this charge. I notified TDBank on XX/XX/XXXX using their online " secure message '' application. I received an online automated response indicating that TDBank received the message. I sent XXXX follow-up messages on XX/XX/XXXX and XX/XX/XXXX. None of TDBank 's responses addressed the {$70.00} fraudulent charge. On XX/XX/XXXX I sent a letter to the address as directed for error resolution on the back of my credit card statement. I sent a follow-up letter on XX/XX/XXXX. This charge of {$70.00} is the only charge on this account and I have requested that all late charges and interest also be removed from my account. 

I have not received any response to these letters whatsoever.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I wrote to XXXX, Equifax, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANKRUPTCY
Consumer complaint received 2021-03-12
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: EQUIFAX, INC. (CA)

These inquiries are not mine I have never opened these applied for these and dont have a clue how these got on my credit report. I started disputing these since XX/XX/XXXX and every month after until XX/XX/XXXX I have sent out multiple letters saying that these are not mine to the furnishers as well as to all the bureaus but they have not reached or or helped me out. This is clearly affecting my credit score and my credit and I need these inquiries gone since they are not mine. I even opened an FTC report on XX/XX/XXXX and still nothing. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (IN)

My name is XXXX XXXX and i am filing a complaint against binance.us a subsidiary of BAM trading company inc. My acc number is XXXX, i reached out to the company on XX/XX/XXXX as i did not get credited my xlm deposit of XXXX. I was then instructed to upload my a pic of my transfer, the account number and a video stating who i was and what i was requesting .I got a response stating it would be credited asap on XX/XX/XXXX. It is now XX/XX/2017 emails later, several escalations and no resolution or any response on why. I then try on XX/XX/XXXX to withdraw my crypto into a wallet ( a value of XXXX ) and im unable to do so as it states its because or risk management, i did research and found that they do that and use the excuse that they feel the account was compromised, this is impossible as in order for anything to transpire in my account, my verified bank account needs to be involved along with a text message to my phone with a one time access code. Its an excuse. So not only are they holding XXXX of my funds hostage for no explained reason, they have not credited approximately XXXX dollars in coins to the account, its been almost a month and nothing but auto replies and canned responses.
Consumer complaint received 2021-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

CMRE Financial Services is blatantly in violation of the Health Insurance Portability and Accountability Act ( HIPPA ). I have reached out to them directly as they have willfully chosen to share private information associated with my medical care, medical history and transaction with several consumer reporting agencies without ever having my consent. Additionally, this company is in direct violation of the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 3 ) which explicitly states any medical information and individualized lists or descriptions based on the payment transactions must be excluded from my consumer report. This company is violating this federal law with impunity and needs to be held accountable immediately.
Consumer complaint received 2021-03-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (FL)

I had a loan with Stearns Lending. I had been making bi-weekly payments. On XX/XX/XXXX they transferred the loan to XXXX XXXX and did not forward one of the payments making my account delinquent. I have called them SEVERAL times for hours at a time trying to get in contact with someone with no resolution. Trying to get an agent on the phone is nearly impossible and I am worried that after 60 days if this matter is not resolved it will negatively affect my credit.
Consumer complaint received 2017-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  MEDICAL DATA SYSTEMS INC for reporting credit information to the credit reporting agencies that was a  result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.