davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
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. (NE)

According to the Fair Reporting Credit Act, the credit companies were required to remove any inaccuracies and any errors also unauthorized inquires. These inaccuracies were reported and not deleted as I have established them as inaccurate myself with research into these.

Multiple inquires that were not authorized Two collections that will not correctly be investigated and researched.

Attached are the list of the inquires circled are the ones that were not authorized and the collections that are inaccurate.
Consumer complaint received 2022-11-29
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: DISCOVER BANK (CA)

I requested information from Discover regarding how much of a line of credit I would qualify for with 0 % APR for 15 months, but was unsatisfied with their answer and so never completed an application for a card nor accepted any terms and conditions. 
I was then mailed a card anyway, with a term sheet that said " You accept this Agreement if you do not cancel your Account within 30 days after you received a Card. '' This is predatory and takes advantage of those who may not read their tiny-print terms or have time to cancel a credit card they didn't even want.
Consumer complaint received 2023-06-14
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. (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 Account numberXXXX has violated my rights. Or 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 2017-05-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lustig, Glaser & Wilson, P.C. (RI)

ON XXXX/XXXX/XXXX and XXXX/XXXX/XXXX i have recived those summons pertaining to credit card debit, from law offices of lustig , glaser & wilson , p.c . in XXXX ma. XXXX, i was told to call the office and i did and i explained my situation that im in finacial hardship and a dependant living XXXX, they told me to send a written statement saying what i had just said, so i did, i called back to see if they had got the statement, no answer to the question, then they proceeded to tell me to read the summons and sign it, i had told them there was no where to sign, so they said they would send me something to sign ( not telling me what after asking ) i had received it signed notized and sent back, IT WAS A STIPULATION OF JUDGMENT )., i got a letter staying that they never got the stipulation of judement i sent, but i made copies.. I called and they told me dont worry about that., after not getting any answers i called a voluntary law office free of charge to ask a question about this, he told me i should have gone to county clerks office to let them scan the summons in, so, i went on line to the XXXX court portal and found they had won one of them, the other was still open, i went up and had them scanned, And then i got a FINACIALl statement from them to fill out.I had no court date, they just did all this without my knowledge., now i find out the other summons they sent they won, after all i had gave them, a written letter, they requested, a stipulation oF JUDGEMENT i new nothing of what it meant, and now a FINACIAL statement stating that that i failed t make satisfactory payment arragments with them ... they had already won and i had no court case., no knowledge of them even going., i have not filled the finacial statement out, i feel that they did not follow the rules of the law and just decided to do what they wanted without me knowing, i have made a complaint with attorney generals office in mass, and explained it to them, i barely get by .now they do this, getting away with an action i was unaware of., so they won both cases, and i was not present for either one nor did i know of anything else that they did.,
Consumer complaint received 2023-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I received a letter from Phoenix Financial Services on XXXX XX/XX/2023 regarding a {$250.00} medical bill bought from XXXX XXXX XXXX. The letter gave the option of sending in their attachment disputing the debt and to have them forward proof this was my debt. I mailed this back on XXXX XX/XX/2023. Phoenix Financial Services failed to forward the proper documentation to prove this was my debt ( I still have not received as of XXXX XX/XX/2023. This is now a collection on my XXXX credit report. As of XXXX XX/XX/2023, my XXXX score for XXXX was XXXX. As of XXXX XX/XX/2023, it is now XXXX taking a significant XXXX XXXX  decrease. The real legal issue is with XXXX. Any outstanding OR paid medical debt of {$500.00} dollars shouldn't be a collection account on XXXX, XXXX, nor XXXX. This collection account needs to be removed immediately. Phoenix Financial Services isn't following Federal law and XXXX should NEVER have placed a medical collection for {$250.00} on my credit report. I'm not requesting this to be removed. I'm demanding it.
Consumer complaint received 2022-11-29
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. (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 name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX # 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 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 XXXX 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 2023-03-12
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2023-03-12
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. (NE)

According to the Fair Reporting Credit Act, the credit companies were required to remove any inaccuracies and any errors also unauthorized inquires. These inaccuracies were reported and not deleted as I have established them as inaccurate myself with research into these.

Multiple inquires that were not authorized Two collections that will not correctly be investigated and researched.

Attached are the list of the inquires circled are the ones that were not authorized and the collections that are inaccurate.
Consumer complaint received 2022-11-29
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. (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 name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : 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 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 XXXX 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 2022-11-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (SC)

I voluntarily disabled my account, and now BinanceUS won't reEnable it. 
I have done all they have requested. 
It has been over XXXX months and over XXXX emails. 
They say my account is being reviewed in the back office. 
XXXX request ( XXXX )
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency an d have gotten little response. My official complaint is against PHOENIX FINANCIAL SE for reporting credit informati on 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.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (TX)

Starting on or about XXXX the XXXX of 2022. I disputed unauthorized transactions, the represenative handling the claim at the time asked a lot of interrogating like questions. Which I answered with no problem. 14 Days later I was refunded for two of the disputes. One is the amount of {$55.00} and the other is the amount of {$50.00}. These two were temporary and were taken away from me shortly after causing the account to go negative. Ive rebutted the final determination of the dispute be since they were denied. It has now been almost 6 months and I keep getting reassured that Chime financial is going to investigate this for me. There isn't any claim that should take 6 months to investigate.I have experience in banking and from my banking knowledge Chime financial is acting poorly on this matter. Please help me escalate this issue to get resolution.
Consumer complaint received 2023-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (NY)

Gemini doesnt answer my questions via mail or via from here. I just ask them a lot of question they just give copy-paste answers. 

i have a problem since XXXX w/ Gemini and didnt get any help from them. I just sent accidently SPL-USDC to Gemini, assets sitting in my XXXX XXXX XXXX easy to reach but they are refusing to help. Worst Spport, Worst Technical Exchange, Worst helper exchange ever. 

1- ) is gemini have a access to move tokens from depository account which is belong to me? i can see gemini doesnt have a access to depository accounts, which is a huge problem if people rush to exchange for withdraw tokens. 

2- ) if you guys have access to XXXX account they easly can access my funds to send back to me. so whats your answer? 

3- ) In agreement '' Your property if sent to your XXXX Account or XXXX Account '', i sent to my depository account which is belong to me. I want to use my right and give my money. You cant extortion my money its belong to me. 

4- ) In agreement ''You agree and understand that a Digital Asset of an Unspported Network or a Digital Asset that operates on top of a Spported Network is not a Spported Digital Asset ( each, an Unspported Digital Asset ), unless it is explicitly named as a Spported Digital Asset herein XXXX '' which USD Coin is spported by Gemini. 

5- ) In agreement ''You agree and understand that a XXXX XXXX XXXX is not a upported Network ( each, an Unspported Network ), unless it is explicitly named as a Spported Network herein. '' which XXXX XXXX is spported by Gemini. If they dont have token recovery system XXXX XXXX is not my problem, you have to do it what ever it takes, you need to figure out.
Consumer complaint received 2017-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

SUBMITTED A DISPUTE for an account with a {$200.00} balance WITH TRANSUNION ON XXXX XXXX 2017 SUPPOSE TO BE COMPLETED BY XX/XX/XXXX. I CALL THE CUSTOMER SERVICE NUMBER FOR transunion AND THEY REFUSE TO TALK TO ME ABOUT MY ACCOUNT BECAUSE MY ADDRESS IS WRONG IN THEIR SYSTEM. DISPUTE HAS NOT BEEN ANSWERED.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I tried to modify my loan in late    2015  through  XXXX   XXXX , I was put on a payment trial plan, once I received all the paperwork I decided it was better not to modify the loan because of the dollar amount to invest.  XXXX   XXXX  then since late    2015  has reported  2 lat e payments both   XXXX   days late. I have never paid my mortgage more than  XXXX  days late, I did all trial payments on time, I have contacted  XXXX   XXXX  regarding their error and they do not correct the problem, I have also disputed the account with all  XXXX  CRA but  XXXX   XXXX  continues not fixing their error.
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (LA)

On XX/XX/2023, I received an email from my mortgage company, Mr. Cooper, informing me that they had disbursed a payment from my escrow account to my insurance company ( XXXX XXXX ) for payment of my hazard insurance premium. On XX/XX/2023, I received a letter from my insurance company dated XX/XX/2023, wherein they indicated my insurance policy had lapsed effective XX/XX/2023, due to nonpayment of the premium.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting XXXX XXXX XXXX ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX OF XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2023-03-12
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: Resurgent Capital Services L.P. (PA)

The original creditors XXXX XXXX XXXX XXXX XXXX XXXX ) is reported as a fraudulent account on a police report that I have sent them. As a result they were removed from my credit report. LVNV Funding LLC is the new agency reporting the fraudulent account. They are reporting on my XXXX, XXXX, and XXXX
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-16
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. (WA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have disputed this inaccurate information on my report for months, it is still causing a tremendous hardship and the information remains : =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX   Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX =============================================== Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX  Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX ============================================== DEPT OF ED / XXXX Reported : XXXX. XXXX, XXXX  {$73000.00} In good standing ============================================== XXXX XXXXXXXX XXXX XXXX Balance {$1700.00} Balance updated XX/XX/XXXXXXXX  XXXX closed account