davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (FL)

Ive been disputing this account since XXXX of XXXX. This Bridgecrest account was removed from my XXXX & XXXX Credit report as of XX/XX/2021 because they did not provide the correct information according to State of Florida State XXXX  and XXXX  statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. nor did they provide this information in a timely manner. And also they were reporting inaccurate information to my credit report. Once I did receive this information in the mail it was all falsified and Re-typed information. I noticed they put a falsified electronic signature on the contract. They did not provide me with a copy of the ORIGINAL CONTRACT with a WRITTEN signature on it. I NEVER gave consent for them to use a electronic signature on my behalf. I also sent out Letters to XXXX and Bridgecrest asking them how they verified the debt around XX/XX/2021 Certified mail return receipt. Bridgecrest NEITHER company has responded and its been beyond 30 days! Nor did they respond with the correct information that I asked for which implies that they did not complete the investigation process correctly. I have attached pictures of the certified mail return receipts along with this complaint. The only responses ive received is them stating that they DID verify the debt but they did not tell me HOW they verified the debt. Please Delete the Bridgecrest account from my credit report as soon as possible! As it is hindering me greatly. I have attached pictures for proof of evert=ything ive stated in this complaint. i've also already filed an FTC affadavit against this account which ive included with report as well.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

Around XX/XX/XXXX I got a notification from XXXX that there was a change in my Equifax score. When I checked what the change was it was unclear to me because everything looked good that was reported that changed. As I further investigated I noticed that some old accounts that I previously disputed and got removed had reappeared out of nowhere. I didn't get anything in the mail and it didn't even appear as something new on my credit karma or credit monitoring. According to the XXXX XXXX XXXX XXXX ( B ) ( i ) ( XXXX ) ( XXXX ) that is illegal and a violation. It happened in XXXX too but I submitted a complaint and the information was deleted. I am angry that it is happening again. My score dropped XXXX points! I have submitted a complaint before this one, then ordered a report. Equifax is also in violation of XXXX XXXX XXXX ( XXXX ) there are no comments of my dispute
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

I have a Target Red Card, which is their store credit card. For the last several weeks, every day when I try to log in to check my account balance, it would show that my account is locked out. I had been calling every day to have my account unlocked just so I can make sure the transactions are valid on my account, and to make sure my account is current. Today when I called the representative to get my account unlocked, she canceled my XXXX XXXX without me asking for it and said it would take 10 business days for them to send my new XXXX XXXX. I explained that this does not work as I need it sooner to do XXXX shopping. She then proceeded to expedite my card and then charged me {$15.00} without confirming with me if I agree to the charge. I asked her to either waive the charge or uncancel my old XXXX, but she refused to do either. I asked to talk to the supervisor. The supervisor could not give me a timeline when my account lock out issue would be resolved. In addition, she would not waive the {$15.00}. Then she hung up on me. I would like XXXX to please waive the {$15.00} fee for sending me my new XXXX XXXX or XXXX my old XXXX.
Consumer complaint received 2021-11-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

The response the company provided did not address my offer to pay the loan nor has there been a response from the company so the issue is still open. Getting in touch with my home preservation specialist, XXXX XXXX XXXX XXXX is challenging. I was hoping to speak to her today but wasn't able to reach her.
Consumer complaint received 2021-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R.M. Galicia, Inc. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions this is defamation off character and also against federal laws. These accounts are not mine and were opened using my personal identification without my consent ACCOUNT # ( XXXX ) as well as ACCOUNT # ( XXXX ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I used Venmo to transfer money from time to time and for my unemployment check. I also accidentally transferred my income tax refund into the Venmo account. However they froze my account and it has a balance of XXXX and its been over 180 days and my money still hasnt been released.
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

{$40000.00} sent from Coinbase account to an unknown outside wallet without my authorization or knowledge on XX/XX/25. Did not receive any notice of this transaction. Reviewed my transaction history and saw the transaction. Have tried to talk to a live rep from Coinbase to find out what happened looks like identity theft. Have not been able to talk to a live rep, however, was able to live chat explained the issue but rep only told me crypto XXXX was sent to an outside wallet that he would not identify, he/she, I asked for my total account balance which he did not provide. He then locked my account and signed off. My account balance seems to be {$0.00} from the Transaction History Report.
Consumer complaint received 2021-11-23
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)

This is XXXX XXXX, who is submitting this XXXX  complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2021-11-23
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. (MS)

On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with XXXX Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' Equifax, XXXX, and XXXX have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.
Consumer complaint received 2024-06-08
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to bring to your attention the numerous discrepancies and instances of neglect regarding my Bank of America account, which have caused me significant financial hardship. 

First, there are substantial discrepancies in the transactions recorded on my account. The transaction dates, amounts, and times do not align with my records. This inconsistency has led to considerable confusion and XXXXs. I request a thorough investigation into these discrepancies to rectify the incorrect information. 

Additionally, I have noted that the neglectful handling of my account has led to several unauthorized transactions. Despite my numerous attempts to resolve these issues through your customer service, the problem persists, severely impacting my financial stability and causing undue hardship to both myself and my child. 

The ongoing mishandling of my account by Bank of America has resulted in extreme financial XXXX I have suffered considerable hardship due to these errors and the lack of timely and adequate responses from your team. This situation is unacceptable and needs immediate rectification. 

I kindly request the following actions be taken without further delay : XXXX. A detailed investigation into the discrepancies in my account transactions. 
XXXX. XXXX correction of all incorrect information on my account. 
XXXX. Reimbursement for all unauthorized transactions. 
XXXX. A review of the handling of my account to prevent future occurrences of such negligence. 

I hope for a prompt and satisfactory resolution to this matter. Please consider the severe impact this has had on my life and the necessity for immediate action. 

Thank you for your attention to this urgent matter. I look forward to your swift response. 

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Consumer complaint received 2022-11-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Yesterday, I received through the mail a letter from Midland Credit Management ( MCM ) with 3 options to pay a debt of {$4000.00} with Original Creditor XXXX  XXXX. 
MCM ACCT XXXX XXXX XXXX XXXX XXXX XXXX  I contacted XXXX  XXXX to resolve the account that was past due and the reason which was during the pandemic.Unfortunately that didnt work out. XXXX XXXX placed the account in Charge-off status in 2019. I am just confused as to three ( 3 ) years later the account was sold to a collection agency instead of trying to resolve the issue with me directly. The main issue is the fact that I did not incur a balance of {$4000.00} because my credit limit was XXXX if I remember correctly. 
if MCM can send me a copy of the last statement from XXXX XXXX showing that I did incur those charges. I will be more than happy to work with them on resolving this issue.
Consumer complaint received 2021-11-23
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. (MS)

On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with XXXX, Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' XXXX, XXXX, and TransUnion have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.
Consumer complaint received 2021-11-23
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. (MS)

On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating, " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with XXXX, Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' XXXX, XXXX, and TransUnion have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.
Consumer complaint received 2021-11-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mesa Auto Finance, LLC (MI)

Account # XXXX This is a notice to cease & desist. MESA AUTO FINANCE LLC has violated my rights according to the Fair Credit Reporting Act, Section XXXX, Permissible purposes of consumer reports { 15 XXXX, 1681b }. You guys are practicing illegal debt collection practice. A debt collector is those who regularly seek to collect debts. I am the original creditor/consumer, in order for a consumer reporting agency to add anything that must get my permission to do so and i didnt give you guys permission. I define myself as a natural person and not a corporation therefore, I have the right to defend myself and tell you guys what to put on my consumer report and what not to. Also, XXXX XXXXXXXX XXXX  ( p ), I did not authorize you to get my information. I am demanding that you guys stop illegally reporting to all consumer reporting agencies and all forms of communication. Take this off of my consumer reports AS SOON AS POSSIBLE. This is an alleged debt I am not paying anything. This is the first step of litigation. So if you don't honor this cease & desist and honor my demands I will pursue litigation.
Consumer complaint received 2018-03-01
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. (MI)

I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows Experian XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX CR XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. I also requested that an address be removed from my credit report on XXXX the same week the first week of XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not XXXX has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home
Consumer complaint received 2022-11-11
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. (NC)

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. 

INACCURATE ACCUNTS : XXXX XXXX XXXX XXXX # XXXX - {$15000.00} XXXX XXXX XXXX XXXX # XXXX - {$16000.00} XXXX XXXX UNAUTHORIZED INQUIRIES PLEASE DELETE THEM ASAP!!! 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-23
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. (NJ)

I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the listed account below : ( XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXXXXXX )
Consumer complaint received 2024-06-11
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Collection agency " Columbia Debt DBA Genesis '' is incorrectly trying to collect a debt on behalf of XXXX that I do not owe. Happy to share the details of that case.

Most importantly, however, the company called my wife 's place of work and threatened the receptionist + told her that they were " going to come down there. '' This has made her fearful, so much so that she had to take the rest of the day off.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I monitor my credit report through various means- XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc., and all of them show two inquiries from companies that I don't recall applying for credit with- XXXX XXXX in XX/XX/2021 and XXXX in XX/XX/2021. I contacted XXXX when I discovered the inquiry, because my credit score had not been high enough for me to even remotely consider trying to get a credit card through them. They were supposed to investigate and have the inquiry removed, but it still shows up on XXXX XXXX XXXX " copy '' of my TransUnion report. I haven't contacted XXXX XXXX about this issue. 
Another problem with XXXX XXXX is that I have contacted XXXX and XXXX regarding an address out in California that I have NEVER lived at or operated a business at ( I googled it and found out it's in an industrial location ), but XXXX XXXX still shows the outdated information. XXXX and XXXX have also claimed to have removed this inaccurate address, but it's still there on XXXX and XXXX XXXXXXXX XXXX copies of my credit reports. How can I get these incorrect information removed, permanently? 
I also noticed that further than 2 weeks back, they do not show the personal information section on the credit report! So, all names and addresses " reported '', that appear on any other credit report site, from all dates, are not appearing on XXXX XXXX.
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (CA)

On XXXX I purchased shoes at XXXXXXXX XXXX XXXX online ( XXXX XXXX ). On XXXX the shoes were returned and credited. On XX/XX/XXXXXXXX I received a letter from State Collection Service. IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Stating I owed XXXX XXXX {$34.00}. They have my name and address and they are threatening that if I do not pay the past due fee, this will affect my credit report.