davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Report act XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.
Consumer complaint received 2022-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (CA)

This week of XX/XX/2022 - XXXX/XXXX/2022, I received in the mail a second part letter to a previous mail I received a few months before. It contains a remaining charge of {$36.00} after previously having a higher charge. That former charge was done by someone who used my identity. I want to be cleared of this charge and my name erased from this account that they created. They used my XXXX XXXX  to create this transaction. The debt collection company that is dealing with this is XXXX Recovery Services. 

The reference number for the remaining charge is XXXX
Consumer complaint received 2022-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NV)

I purchased a car via XXXX XXXX XXXX out of XXXX, Nevada which was financed via Credit Acceptance Corporation. They wound up charging me over XXXX in interest on a loan that was around XXXX which seems high. On my credit report, they did not report that I paid off over XXXX, they only reported that I paid off over XXXX so where did the extra money that I paid off go to? On top of this, they put a XXXX ( XXXX XXXX XXXX ) that caused problems with the car. The car wound up shocking me as a result according to the mechanics. I was told that they never should have put the device in but they refused to fix it or replace it, etc. ( I have evidence of this ). After all of this, I can not drive me car due to issues with the electrical problems that this device caused and I have had close to XXXX in medical bills over this. This is not fair. I feel that they should have done something to help rectify this situation but they do not seem to care at all.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

On XX/XX/XXXX XXXX XXXX Bank charged off my account due to the negative balance status. I have been unemployed and experiencing hardships since XX/XX/XXXX due to the Covid-19 pandemic. 

On XX/XX/XXXX XXXX XXXX Bank submitted information to XXXX XXXX and Chex Systems claiming that my account was closed due to Account Abuse. I never abused my XXXX XXXX Bank account - I was experiencing long term XXXX, XXXX and a total loss of my income as a result. I filed a claims related to a {$400.00} charge that appeared on my account. I followed XXXX XXXX policies and procedures for filing a claim and they refused to investigate it as they stated their policies did not allow them to investigate claims related to peer to peer financial transactions. 

On XX/XX/XXXX, I attempted to open two checking accounts - XXXX XXXXk, and XXXXXXXX XXXX  and was denied a checking account based on the information reported by XXXX XXXX XXXX tXXXX XXXX XXXXXXXX and Chex Systems. 

XXXX XXXXXXXX XXXX 's errors has caused adverse actions to be taken against me ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX Banks ' actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Finally, I believe XXXX XXXX Bank 's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law. XXXX XXXX 's action against me violated my rights under the Fair Credit and Reporting Act because they willfully and intentionally reported erroneous information that has caused other financial institutions to make adverse decisions against me. This matter has prevented me from moving forward with securing a checking account with a major bank.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (GA)

On XX/XX/XXXX XXXX XXXXXXXX XXXX charged off my account due to the negative balance status. I have been unemployed and experiencing hardships since XX/XX/XXXX due to the XXXX pandemic. 

On XX/XX/XXXX XXXX XXXX XXXX submitted information to Early Warning and XXXX XXXX claiming that my account was closed due to Account Abuse. I never abused my XXXX XXXX XXXX account - I was experiencing long term unemployment, XXXX and a total loss of my income as a result. I filed a claims related to a {$400.00} charge that appeared on my account. I followed XXXX XXXX policies and procedures for filing a claim and they refused to investigate it as they stated their policies did not allow them to investigate claims related to peer to peer financial transactions. 

On XX/XX/XXXX, I attempted to open XXXX checking accounts - XXXX XXXX  and XXXX XXXX and was denied a checking account based on the information reported by XXXX XXXX XXXX to Early Warning and XXXX XXXX. 

XXXX XXXX XXXX 's errors has caused adverse actions to be taken against me ; I was denied XXXX checking account opportunities and the opportunity to establish a new relationship with another financial institution. XXXX XXXX XXXX ' actions also caused me extreme public humiliation and embarrassment as I was turned down by these banks and had to suffer during and after conversation. 

Finally, I believe XXXX XXXX XXXX  's actions toward me are malicious, deliberate, and well defined against XXXX American consumers who seek to pursue justice in a court of law. XXXX XXXX 's action against me violated my rights under the XXXX XXXX and XXXX XXXX because they willfully and intentionally reported erroneous information that has caused other financial institutions to make adverse decisions against me. This matter has prevented me from moving forward with securing a checking account with a major bank.
Consumer complaint received 2022-05-21
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 Everything has to be 100 % accurate on my credit report. 

A well-known debt buyer by the name of XXXXXXXX XXXX XXXXXXXX XXXX XXXX has failed to verify the furnished accounts on my credit report as 100 % accurate.

I have asked for validation of this debt from the original creditor with my signature and submitted a copy of my credit report. I was not provided any supporting documents that proved that the information on my credit report was 100 % accurate. They are wrongfully keeping this inaccurate, unverified, and negative information on my credit report and causing harm to my livelihood as a consumer. This company and the bureaus are taking advantage and violating my rights as a consumer in accordance with the Fair Credit Reporting Act. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the original creditor information is missing, the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Also, the Credit Bureaus have been taking more than 30 days to complete my investigation. 

Here are my supporting documents : Data Breach reported on my XXXX XXXX FTC reference number that I submitted back in XXXX of XXXX [ XXXX ] My credit report Furnisher 's Response
Consumer complaint received 2023-03-06
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: LEXISNEXIS (LA)

*See attached!! DELETE NOW please this not proven certified compliantly reported injurious information unfairly accused of me Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance
Consumer complaint received 2022-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NE)

the coinbase wallet does not want to give me my money and I can not pay any of my bills without confirming that my XXXX son asks me every day if they already gave me the money to buy XXXX  it is incredible that a great country such as the United States is happening these things and also that the institutions look the other way when people claim their rights when I arrived in this country I thought I had arrived in a free country with laws but after 7 years I understood that I asked for refuge in the wrong place where it is supposed people have freedom and respect there are only laws but not justice this is one of the many times where I claim my rights and I receive the response of someone who tells you we can't do anything where are the laws where is the respect where is it?
Consumer complaint received 2017-11-21
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: Experian Information Solutions Inc. (OH)

I opened a loan with XXXX, and they made me do a 1 month term loan after getting out of school they demanded i pay the loan back in full during the first and only month to repay it, i could not afford of pay the loan back in all of one month, this has effected me and i cant get certain loans because of the payment history of this loan even though i eventually paid it off. 
ive disputed this through the 3 major CRA and they have denied to take it off my report DO NOT get a loan through them you will regret it.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (TN)

On ( XXXX XXXX I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have had the loans forgiven due to as of XX/XX/XXXX becoming XXXX XXXX. 

XXXX has made all the adjustments but I dont see it here with you TransUnion. 

Can you please help with seeing that it has been applied to my report. 

I can be reached at+XXXX or XXXX XXXX XXXX XXXX XXXX , NC XXXX Thank you XXXX XXXX Balance Decrease DEPT OF ED/XXXX + Balance Decreased by {$95.00} DEPT OF ED/XXXX  + Balance Decreased by {$1800.00} DEPT OF ED/XXXX  + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$1200.00} DEPT OF ED/XXXX  + Balance Decreased by {$5100.00} DEPT OF ED/XXXX + Balance Decreased by {$1100.00} DEPT OF ED/XXXX  + Balance Decreased by {$4000.00} DEPT OF ED/XXXX  + Balance Decreased by {$4100.00} Updated Account Information DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account
Consumer complaint received 2017-11-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NC)

I have had a VA mortgage for 7 years with Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Lender NMLS ID : XXXX I am constantly badgered by mail, phone & email to refinance. All notices are unsolicited & I have spoke w/ several agents to announce my desire to be left alone & that I am not interested in their services. 
Make them stop!!
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (AZ)

XXXX Bank Delaware - XX/XX/2022 - {$4700.00} - Account status Closed XXXX XXXX - XX/XX/2022 - {$9000.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$5800.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$790.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$780.00} - Account status Closed In accordance with the Fair Crediting Reporting act XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX Bank Delaware - XX/XX/2022 - {$4700.00} - Account status Closed XXXX  XXXX - XX/XX/2022 - {$9000.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$5800.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$790.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$780.00} - Account status Closed In accordance with the Fair Crediting Reporting act XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2017-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

I have previously submitted complaints against Ocwen Loan Servicing. My most recent complaint was XXXX, submitted last month. As interest has continued to mount as a result of their poor customer service, I was notified that my payment last month was being held in suspension. When I requested a new copy of the application for loan modification from a representative -who, AGAIN, was not my assigned relationship manager- the document was initially sent to an incorrect E-mail address, causing further delays. When I approached my attorney about the issues I 've had with Ocwen, I was told that I most certainly had valid complaints against the company, however, a lawsuit would cost time and money. Instead, I was advised that Chapter XXXX Bankruptcy would protect my house and allow me to begin paying back the past due amount on the mortgage, which is what I have been trying to do all along, but kept facing roadblocks from Ocwen. 

These past couple of years dealing with Ocwen have been extremely disheartening and stressful. While filing for Bankruptcy is embarrassing, it has at least provided me with some peace. Why should I have been forced to go this route? Why has n't Ocwen, despite their apologies, been held accountable?
Consumer complaint received 2023-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (CO)

Phoenix Financial Services sent me a letter claiming that I owed {$1700.00} to XXXX XXXX XXXX who had purchased " my '' medical debt from XXXX XXXX XXXX. I emailed them asking for support. They sent me their " support '' which I believe to be fake. All of my personal information is inaccurate and the rest of it is incomplete. Please see the letter along with the support they sent attached. 

I have also never taken an ambulance like they are claiming. Additionally, it said that I took this ambulance on XX/XX/2016 and I was no even in the US at that time. 

I did some research on these companies and it seems as though they all know each other. Please see my findings on the secretary of state sites in CO, IN, and DE. 

Phoenix Financial Services is registered in Indiana. Their registered agent there is XXXX XXXX XXXX XXXX In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is registered in Delaware. Their registered agent there is THE XXXX XXXX XXXX. In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is also registered in Delaware twice. Their registered agents there are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I believe all of these companies to be fraudulent. They are trying to scare people into giving them money.
Consumer complaint received 2022-05-21
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: CITIBANK, N.A. (TX)

I purchased a replacement battery for my computer on XXXX using my credit card. The battery did not work. I requested a refund or return from XXXX, but XXXX refused. I disputed the charge on my card, but Citi said I had to pay for the defective product anyways. I refuse to be taken advantage of by Citi for this. This is outright fraud and theft.
Consumer complaint received 2022-05-21
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: EQUIFAX, INC. (CA)

In accordance with the fair credit Reporting Act XXXX Bank Account # beginning in XXXX and ending in # XXXX has violated my rights. 1 5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit Reporting Act XXXX XXXX Account # beginning in XXXX and ending in # XXXX has violated my rights. 1 5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CCF Intermediate Holdings LLC (SC)

I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

I then sent a second letter via certified mail on XX/XX/2022, requesting that the company cease the reporting of unverified, invalidated inaccuracies. 

On XX/XX/2022, I received a letter from the company along with a copy of the alleged loan agreement for an alleged amount of {$2000.00}. The letter also indicated the company had responded to my request on XX/XX/2022, though the letter does not indicate how the company attempted to contact me. I have no knowledge of this alleged correspondence from the company in XXXX of 2022. 

The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to bring to your attention an issue I have been facing regarding my credit reports. I have noticed that there are several inaccurate accounts listed on my Equifax, XXXX, and XXXX credit reports. 

I have tried to dispute these inaccurate accounts directly with the credit bureaus, but they have not been removed. These inaccuracies are negatively impacting my credit score and making it difficult for me to obtain credit when I need it. 

I am requesting that the Consumer Financial Protection Bureau take action to ensure that these inaccurate accounts are removed from my credit reports with Equifax, XXXX, and XXXX. I have attached copies of my credit reports to this letter to help with the investigation. 

I understand that the Fair Credit Reporting Act requires credit reporting agencies to investigate and remove inaccurate information from credit reports. However, in my case, the credit bureaus have not taken any action to correct the errors on my credit reports. 

I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter and ensure that my credit reports are accurate and up-to-date. Thank you for your attention to this matter.