davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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. (FL)

***I previously submitted a complaint for this company with incorrect attachments. Please delete XXXX, XXXX, & XXXX and replace with this corrected information and new complaint # 's. 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (KY)

I and my family have been contacted multiple times in the past 2-3 weeks by a company called " XXXX XXXX  '' from phone number XXXX in an attempt to collect debt which they say I owe them on a XXXX card. The most recent call was today and from a person calling herself " XXXX. '' This debt was settled in XX/XX/2016 with a debt collector named UNIFUND LLC in XXXX County Civil Court Case XXXX. This case was settled out of court between the two parties and dismissed with prejudice. " XXXX XXXX '' has provided no documentation to the effect that they have a right to collect this debt and frequently hang up on me when I ask probing questions as to their legal right to collect this debt.
Consumer complaint received 2024-03-17
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. (PA)

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. 
I was a victim of this data breach. I have uploaded proof in the attachments below. So please delete all inquires and accounts that are affected because of your data breach. My information was sold, used and shared without my consent. According to The Privacy Act of 1974 it prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. MY RIGHTS HAVE BEEN VIOLATED SO PLEASE DELETE ALL INQUIRIES AND ACCOUNTS ON MY CREDIT REPORT BECAUSE ALL HAVE BEEN COMPROMISED!!!!
Consumer complaint received 2023-05-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NC)

On XX/XX/XXXX Coinbase disabled my account due to security reasons. I simply asked about a charge on my account that I totally forgot I made! The charge was for XXXX dollars. After asking about the charge coinbase automatically disabled my account without even investigating or anything!! This is totally not right when Ive got A LOT of money on there. Now here it is 19 business days and 25 total days that I havent had access to my account! This is a problem that I should be able to call coinbase talk to a live person and get this issue fixed within 30 minutes! Coinbase doesnt have a customer support team at all! There is no one to talk to ive only gotten generic emails back saying they are working on the issue and usually takes 4-5 business days to resolve. Ive emailed them at least 10 times and only get the same email back. Please please please help me in any way you can! That money I have on coinbase is a lot of my life savings.
Consumer complaint received 2024-03-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I affirm, under the threat of perjury ( as per the laws of the United States, if executed outside of the United States ), that the aforementioned statements are true and accurate to the best of my understanding. Furthermore, I attest that I am legally permitted by both FEDERAL and STATE LAW to initiate this dispute. I am also aware that any intentional and knowing misrepresentation or omission of significant facts constitutes a FEDERAL CRIMINAL VIOLATION as per 18 U.S.C. 1001. Moreover, such misrepresentations are punishable as perjury under 18 U.S.C. 1621. The entries identified within my credit report are not associated with any transactions conducted by me. I assert that an individual or entity, without my consent, has utilized my personal identifying information to apply for goods, services, or financial resources, and has successfully opened certain accounts. These matters are presently under investigation by the FTC.
Consumer complaint received 2023-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (IA)

I have received XXXX TEXT messages beginning XX/XX/2022 from National Recovery Agency listing the debtors full name and address, account number, original amount owed, current amount owed, original creditor and current creditor. I am not the debtor. While I am related to the debtor listed, the debtor was XXXX years old on the date the text messages indicate for the origination date of the debt. This company has not called the number they are sending the text messages to for the purpose of verifying the identity of the person receiving the text messages. The amount of details regarding a debt this company is sending out to unverified recipients is concerning.
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: KEYCORP (CO)

I have multiple credit cards and when I contact my credit card companies I have been notified there were multiple cards sent out under my Social Security number thats attached to my cards without my permission I am a victim of identity fraud I even contacted the federal commission I have been trying to get this to stop however it seems like every time I put a report in I discover something else is going on. Ive had credit cards stolen and used and linked to without my permission. Thats just also includes the investment I was using the app for XXXX and I requested a refund of my money and instead of the refunding it they diverted it to a different type of currency been an ongoing thing for several months.
Consumer complaint received 2019-12-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I have been in a financial hardship so I was late on making a car payment. My car had some repairs. I asked if I can get an extension if I was to make a payment? USAA rep says they can not guarantee I then ask well how can I get an extension? XXXX the rep I spoke with on XX/XX/XXXX says I have to be current. I then say ok so if I make a payment am I able to get an extension? XXXX then says she can not guarantee. <<<so either way she is saying no. I then get this email stating the opposite. You can not get an extension if your past due. What???!! I just asked if I could if I made a payment. This is a deceptive practice I was able to get one a couple years ago but now they dont know if I can? Rep is lying then sends me an email. Please get involved w Usaa and please advise them of the deceptive and unfair treatment they are doing with their consumers. This is not right and need to be sued.
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Applied Business Services, Inc. (FL)

The company Applied Business Service at XXXX XXXX XXXX, XXXX, NC XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ), by using false or misleading language in an effort to collect a debt not owed. I've never done business with them before and they don't have a contract with my signature on it. 

I've requested information from them previously and they've never gotten back with me with the required documents.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (NJ)

i have challenged the XXXX XXXX accurate reporting of this XXXXXXXX XXXX XXXXXXXX charged off account being reported by the credit bureaus as required by law XXXX  times now... i have pointed out that this account is being reported as a re aged account... XXXX XXXX XXXX XXXX and experian are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XXXX, but if you look at the 2 year payment history they are reporting it as XX/XX/2022 ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number XXXX  is reporting XXXX, experian  is reporting XXXX, and XXXX  is reporting XXXX ... both cant be accurate and therefore they are violating my consumer rights, if you see the high credit amount they are reporting XXXX XXXX XXXX XXXX ,this is inaccurate reporting
Consumer complaint received 2019-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST MIDWEST BANCORP, INC. (IL)

First Midwest Bank at XXXX XXXX XXXX, XXXX, Illinois, is discriminating against me for being a XXXX  XXXX  XXXX. They would not allow me to cash {$100.00} of my {$400.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  check # XXXX issued by the U.S. Treasury on XX/XX/2019, in their bank lobby. I needed {$100.00} so I could continue to pay for my {$30.00} XXXX bus passes through the winter months when my mobility afoot will be restricted, but the Teller only allowed me to withdraw {$80.00} in defiance of the Check Clearing For The 21st Century Act. To add insult to injury, they then assessed my third - {$36.00} Overdraft Fee to date since the inception of my account on XX/XX/2019, against my First Midwest Bank Easy Checking account. This time, they assessed the - {$36.00} Overdraft Fee against my {$41.00} check # XXXX to XXXX XXXX that I had to pay as a mattter of necessity for my cold 64 degree Fahrenheit apartment. However, for all tense and purposes, I should have never been assessed a - {$36.00} Overdraft Fee as according to their own records at XXXX XXXX XXXX I had a {$380.00} Balance at the time the - {$36.00} Overdraft Fee posted on XX/XX/2019. Under the Expedited Funds Availability Act, the bank Teller should have had a fidcuiary duty to advise me that I was Overdrawn on XX/XX/2019, ( if this was indeed the case ) for at which time i would have been glad to return on foot on XX/XX/2019, once the {$400.00} check cleared as the streets were still free of hazardous ice and snow at the time ( which isn't the case now ). I have never endured so frequentt of Overdraft Fees in such a short succession of time in my life so I feel that First Midwest Bank is Redlining me for being perceived as an inferior XXXX  minority. I will be switching banks soon, but wanted to report this matter in case an investigation needs to be launched in order to protect more vulnerable customers at Frist Midwest Bank from such predatoy conduct. 
Thank you
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

I have called 7Seven times to get this corrected and have spent over 15 hours of my life on the phone with over 18 FLAGSTAR service people. I have been told something different by many of the Flagstar support staff that I have talked to. I have been assured every time that the problems will be cleared and every time NO CHANGE IS MADE. 
I have escalated my request directly to an Escalation Specialist TWICE, still wo ZERO resolution. 

Issue 1 Flagstar took out a Hazard Insurance XXXX policy on my unit for {$1600.00} IN ERROR o This is a townhome and I cover studs in and have the XXXX contents insurance for that o There was no requirement for me to provide XXXX insurance ; according to at least 2 of the people I have spoken with in the past 3 months o Regardless I have TWICE sent in the proof that my XXXX did indeed have insurance for the whole time my loan has been with Flagstar Issue 2 Flagstar has scheduled my contents insurance that I pay directly to XXXX [ XXXX ] to be paid out of escrow o I pay this DIRECTLY to XXXX it DOES NOT GET PAID FROM ESCROW and should not be showing as projected to be paid from escrow
Consumer complaint received 2023-05-12
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: Upgrade, Inc. (KS)

Filed dispute and followed all requests from UPgrade credit card and they did not resolve all the charges that I did not make. I should not owe the amount it shows and have been paying for now months of interest that is inaccurate that I will not get back! This is seriously affecting myself and my fam and they will not correct this right ; the charges that were not refunded were from XXXX and I have not made ANY purchases from XXXX this is beyond frustrating!! No XXXX!!! That is not my purchase I called them as did the police!! And the app info was not even my info!!! Upgrade failed to investigate this, failed to follow up correctly, and did not correct this. I have also sent them a dispute in writing twice, as asked for on XX/XX/XXXX and XX/XX/XXXX with out hearing back from them. Only to find out through my credit karma that they decided they were authorized due to not receiving my statement in writing which is inaccurate as I sent them and have the emails they were both sent promptly and not replied to however I asked for an update both times. I would like this resolved and like to hear the status.
Consumer complaint received 2021-12-14
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Monterey Financial Services LLC (LA)

I went to XXXX XXXX XXXX and I was about to start the XXXX XXXX program and due to unforeseen circumstances I did not attend. Made contact with XXXX before school begin to state that I was not going to attend and to suspend the loan. I was told that everything was good and clear and then I was hit with this charge on my credit report. I never received any letters or correspondence regarding this debt. I don't feel that this is lawful because I never got the opportunity to fix this if it were my fault. I have lived at the same address so I have not missed any letters or mail regarding this debt.
Consumer complaint received 2023-01-16
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. (NJ)

i have challenged the XXXX XXXX accurate reporting of this XXXX XXXX XXXXXXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account... .equifax XXXX XXXX XXXX XXXX XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XXXX, but if you look at the 2 year payment history they are reporting it as XX/XX/2022 ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the account number XXXX is reporting XXXX, XXXX  is reporting XXXX, and equifax is reporting XXXX ... both cant be accurate and therefore they are violating my consumer rights, if you see the high credit amount they are reporting XXXX XXXX XXXX XXXX,, ,this is inaccurate reporting
Consumer complaint received 2021-12-14
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. (GA)

My name is XXXX XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that was reporting on my Credit Report : XXXX XXXX Date XX/XX/2021 2021
Consumer complaint received 2019-12-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings (AL)

A fake company called Speedy Cash loans sent me an email on XX/XX/2019 about being approved for a loan up to {$2000.00}!! Kept getting calls from them ( XXXX ) XXXX! I talked to a guy named XXXX with an XXXX accent! He asked me to pay {$50.00} down due to bad credit! Asked me to get a card ... XXXX  or XXXX XXXX XXXX after I asked to pay with my credit card! Went to XXXX XX/XX/XXXX and got a {$50.00} XXXX XXXX card! Called back and he asked for {$140.00} more! I finally caught on and told them Im gon na get them for ripping off a XXXX woman! Ive had a lotta credit checks without getting the loans..
Consumer complaint received 2019-12-18
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: DISCOVER BANK (AL)

There is an account from Discover credit cards reporting on my account that I never applied for and thus must have been opened fraudulently. 

It is said to have been opened on XX/XX/2014 with a balance of {$3500.00}
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In XXXX I paid off a loan to XXXX personal loans for over XXXX. It has not been reflected in my credit reports. I called TransUnion and complained. I have called XXXX and they have now sent the info to the credit companies on three separate occasions. While trying to secure a mortgage on a house this is noteworthy because it appears I have more encumbrances than I do. It warrants a legal dispute at this point.
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

Jefferson Capital System located at XXXX XXXX XXXX at XXXX XXXX started a collection/derogatory remarks without sending an appropriate validation letter and allowing my lawful rights of 30 days to dispute the debt. I disputed the account with XXXX  whom removed the account within 48 hours, but XXXX XXXX is still conducting an investigation. This has caused a 34 point decrease to my credit score because the collector is unethical and believes they do not have to validate a debt
Consumer complaint received 2019-12-13
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. (SC)

FTC Report # XXXX RE : Identity Theft Dear XXXX  Please remove the following accounts listed on my XXXX  credit report. Ive received the assistance from my attorney, and mortgage loan officer, as well as the FTC and CFPB. This accounts listed are a result of identity theft that account when I was on a tour of duty in the armed forces. I did not open these accounts nor have I benefited from them. I am in the middle of closing on my first home through a VA LOAN, and my bank pull my report and showed me several accounts that I never knew existed. PLEASE REMOVE IMMEDIATELY.
Consumer complaint received 2023-05-08
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.