davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act 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 2021-11-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am injured and on state XXXX XXXX thru bank of America, I on XX/XX/2021 XXXX was fraudulently taken out of a branch atm, then XX/XX/2021 XXXX was fraudulently taken out, The whole time I had my card in my presence, no one has access to my account or withdraws, I reported the claim they denied it, I sent in pictured ID, police report, and a written statement, still denied
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (GA)

This dept collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done buiness with any of them .These collections companies do not have a contact with my signature.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

In accordance with the Fair Credit Reporting act XXXX Account, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

This debt was owed to XXXX XXXX XXXX as the result of a long term stay with them after a XXXX XXXX I was admitted to the hospital by ambulance and signed nothing myself and my ex husbands insurance was the responsible party for the original amount. 
We filed for financial assistance, in the months that followed the application was being reviewed by the medical institution and the debt was suppose to be frozen until the application was reviewed. The hospital made a mistake and turned the bill over to Wakefield and Associates, I immediately called the hospital when I started receiving calls from them demanding the money be paid. It was immediately posted to my credit report at the same time I began receiving calls from them. The hospital called XXXX and told them a mistake had been made and the bill had inadvertently been sent to them while the application for financial aid was still under review and it needed to be stopped. It was not. I have repeatedly asked that it be removed from my credit report and have successfully been able to remove it from XXXX report but not from others. It continues to be a blotch on my credit even though I agreed to pay XXXX XXXX and the debt has been forgiven. 
All debts in my ex-husbands name were also transferred to him for payment in our divorce agreement that was completed in XXXX of 2021. They refuse to remove this from my report.
Consumer complaint received 2019-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NH)

On multiple occasions since XXXX/XXXX/19, I have received phone calls from Midland Credit Management. From what I can see from my call history, I receive multiple calls a day. On Monday XXXX/XXXX/19, I took a call from them and informed the caller that Monday thru Friday between the hours of XXXX that I am unable to accept calls due to being at work. I repeatedly told the caller that I could not talk during this time. She implied I was avoiding resolution, and practically insisted I talk with her right then. The caller was badgering me about talking about the case after I clearly stated I was not able to. I stated I could not talk about it and the caller asked me what time she could call. She asked if XXXX was acceptable. I agreed. She never called that evening or since then, only during business hours. I do not recall if they called again on Tuesday XXXX/XXXX/19 or Wednesday XXXX/XXXX/19 or not, but she did call me again on Thursday XXXX/XXXX/19, and was again informed that she had been told I can not talk. She told me that I " give her that excuse every time '' and I replied that it was " because she calls me every time during the times I am not available. '' Again became abusive with her language ( no vulgarity ) and would not accept my answer. On Friday XXXX/XXXX/19, I AGAIN received a call from the same individual who began the conversation with " Are you at work? '' To which I replied, " Well, what time is it? '' She would not accept my answer of not talking about it, I reminded her that I am at work Monday through Friday XXXX and if she is calling at XXXX and it is Friday, then no, I was not talking. She again tried to get me to resolve this confidential matter while I am at work. At some point in the conversation, another individual came on the phone ( a male this time ) and I informed him of all of the above. I also told them at that point that because they continued to harass me during business hours after giving them an acceptable time frame that I would file a complaint against them for harassment and hung up. I am not interested in disputing the validity of the charges. They are mine and valid. However, I will not discuss personal business matters on the phone while I am at work and have repeatedly informed this individual of my availability to discuss, and they refuse to respect that and become abusive and hostile when I tell them so. I have witnesses of these actions as well. Abusive tactics and hostile language and continuing to call multiple times in a day and during times I have clearly stated on multiple occasions are not acceptable is a clear violation. At this time I am having a financial hardship and can not afford any more payments. This hardship is not what caused me to default on the balance- that is a whole different story.
Consumer complaint received 2021-11-15
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. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. 7 credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 is reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2022-12-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-15
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. (NY)

THIS IS THE 2nd complaint for the same inquires EQUIFAX HAS YET TO REMOVE INQUIRIES OR PROVIDE VERIFIABLE PROOF OF THESE INQUIRES NEED TO BE REMOVED AS THEY ARE HURTING MY CREDIT PROFILE 1. XXXX  NA XX/XX/2021 2.XXXX XXXX XXXX XXXX. 3XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2021-11-15
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 reached out to the credit bureaus regarding false late payments reporting on some of my accounts on XXXX XXXX. They never sent me information about the investigation results, and did not fix the problems. They dimply added a comment that says " Consumer Disagrees. '' I know this was in fact an automatic verification and not a true investigation, because I was never late on these payments.
Consumer complaint received 2024-03-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I opened Dispute Case # XXXX with Visa Vanilla. This is a fraud case, and I am getting no response from Visa Vanilla since I opened the dispute on XXXX, the same date I purchased the card. Below is what occurred. 

I paid {$150.00} cash for this card on XXXX at my local XXXX in XXXX, TX, so that I could use it to purchase things online. But when I tried to use the card online the same day, it said insufficient funds.

So I called the number listed on the back of the Visa Vanilla card, which is XXXX. That number takes you to a very rude group of people that introduce themselves as Vanilla Visa customer support. They asked me the number of the card, the XXXX digit pin, and how much was on the card. I told them, and they responded that the card will not be active until XXXX more hours. I waited XXXX hours, and began checking the available balance on vanillagift.coms website. I get the same error every time.

I tried calling the same customer service number repeatedly, and kept getting either hung up on, or immediately disconnected every time I would call back in. Frustrated, I tried navigating through the vanillagift.com website to see if there was a different customer care number. Thats when I found XXXXNOT the number thats printed on the back of the card, which is XXXX. 
The lady that I talked to told me that there was already a posted debit of {$150.00} already on this card from today, and she asked me if I placed the charge. I told her that I absolutely did not. She opened a case number. Again, I have had XXXX response from Visa Vanilla with what is clearly fraudulent. I would think they would want to correct this issue immediately.
Consumer complaint received 2022-05-20
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. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MO)

I lost credit card reported lost and charges were made. I never used credit card for unauthorized charges nor did I give anyone else permission. I am not responsible for charges I did not commit. I am covered under the fair protection act and discover card did a investigation telling me I owe the XXXX  One charge was my dentist which I admitted too and was mine. Now I dont know if a friend or family member used my card then put it back, but if that occurred I am still not responsible for unauthorized charges on my account. My issue is clear I want to close my account and resolve the fraud, Discover is not cooperating or following the fair credit reporting act. I contacted merchants myself to alert them to fraud gave them my name and number to contact me if needed.
Consumer complaint received 2022-10-13
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. (MO)

I called the XXXX, XXXX, and Equifax Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading and inaccurate to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe that the Credit Bureaus have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, # XXXX, and # XXXX and hoping that the following account be immediately corrected and or deleted on my Credit File : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (AZ)

The Consumer Financial Protection Bureau has jurisdiction over this matter because my claim pertains to a digital currency provider who has denied me access to my own funds. On or around XX/XX/XXXX I opened an account with XXXX to conduct lawful personal investment activities. On or around XX/XX/XXXX, my belongings and phone were stolen as evidenced by the police report. Due to the identity theft I have been unable to access my Coinbase account because my login access and passwords were associated with and stored on my phone that was stolen. I contacted coinbase by submitting an inquiry online, on or around XX/XX/XXXX, and to date, 90 days later they have still failed and refused to respond to my legitimate request. Coinbase is harming me by profiting off of the deprivation of access to my funds.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

I am the successor of interest on my father 's mortgage. 
PHH Mortgage will not answer any of my questions about my father 's mortgage directly. 

PHH Mortgage reps keep informing my sister and her attorney that the mortgage is in her name and she assumed the loan, see cour documents. 

My payments are being applied properly to the principal, see attached. 

I asked PHH Mortgage to provide proof that my sister made a deferred balance for modification for {$29.00}, XXXX I talked to a rep who first said my sister made the payment but didn't know if it was a modification adjustment. 

PHH mortgage sends a statement to my sister 's house at XXXX XXXX XXXX in her name but tells me that a statement can be sent in my name due to the policy at PHH. PHH Reps claim that statements can only be in the account holder 's name but clear as day you see XXXX XXXX on the Statement. 

PHH sent my mortgage statement to the wrong address but always had my address on file. 

I have asked for a supervisor to call me back 5xs and in 2month period and no answer.
Consumer complaint received 2023-02-21
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. (TX)

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. 

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 has violated my rights. 

1

5 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 2021-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I had an account with Amex which was opened prior to XXXX. I had never been past due on the account but unfortunately in XXXX I had to file for Ch XXXX bankruptcy due to the foreclosure of my condo. As mandated by the law, all my creditors were included in the filing. My wages were garnished, I completed Bankruptcy Pre-filing Credit Counseling Program and my bankruptcy has since been discharged. 
Using the second chance bankruptcy gives consumers I have continued timely payments on all accounts I have open now and my credit score is over 700. 
As my bankruptcy was deleted from my credit report after 7 years as is the law, other credit card companies I had cards for at the time of my bankruptcy have since approved me for credit cards over the last few years including XXXX  XXXX, XXXX XXXX, XXXX, XXXX and XXXX. 
The only exception is Amex and I feel they are discriminating against the fact that I declared bankruptcy and will not consider my creditworthiness based on my credit history since XXXX. As they continue to indicate that they are declining me because they incurred a loss, I have offered to repay the amount owed however they will not guarantee that once done I will be granted an account. If the reason for the decline is their loss and I am willing to provide the funds to cover that loss, why then will they not approve the application. 
I have asked numerous times for someone to review the past account and my credit bureau report and not only do I have to repeat my story multiple times, the only response I receive is that they took a loss and it is within their rights to not grant credit. While I agree they are well within their rights, I feel I am within my rights to have them document their decision in writing after a full review of my credit score rather than treat my application with prejudice.