davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
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. (NY)

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format methodignoring to report. 

US BKPT CT NY XXXX Account ID : XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( Transunion ) On XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 and XX/XX/2021 I requested Credit Bureaus to send me the name and address of the furnisher of information who helped them verify that the filed on was accurate. All three bureaus listed the source!!!!!!!, but not the actual furnisher. They have failed to comply with FCRA prescribed procedures ( 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ; ). This item must be Deleted immediately. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage.
Consumer complaint received 2017-04-17
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Allied Collection Services, Inc. (Nevada) (MI)

This  XXXX   XXXX  company is not licensed as a payday loan lender in the state of Michigan. I advised them that this was fraudulent and they continue to harass me via telephone. They now have turned this over to  Allied Collection Services lo cated at  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   Neveda   XXXX  Phone  XXXX   XXXX   XXXX . Allied Collections has reported this to the Credit Bureaus as an unpaid account. Allied Collections is in violation of the Fair Credit Reporting Act. They have not attempted to contact me and verify if this is a valid debt. They chose to report directly to the Credit Bureau. This does not belong to me and who would agree to the extremely high interests rates. This is a predatory lending agency and attempts to bully people. They are not licensed to operate as a payday lender in Michigan. I spoke with  XXXX , ID  XXXX  today. This is the first time I spoke with someone from  Allied  Collections and I was th e one ini tiating the call. I explained to  XXXX  the information above as well.
Consumer complaint received 2021-07-26
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: JPMORGAN CHASE & CO. (CA)

They are five hard inquiries on my XXXX  Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 
1 ) Jpmcb - card service 2 ) XXXX XXXX 3 ) XXXX  XXXX, XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX
Consumer complaint received 2021-03-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (CA)

I received a letter stating I owed {$24000.00} last year. This year they show I owe {$61000.00}. They are adding all the interest at 11 % since XXXX. They said the loan matured in XXXX.
Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company (SC)

On XX/XX/2021, I sent a certified letter with return receipt to Commercial Acceptance asking for validation of an alleged debt they have been reporting to credit reporting agencies in the amount of {$980.00}. 

The letter was signed for by Who I would assume to be a representative of Commercial Acceptance on XX/XX/2021. 

The Requested information from Commercial Acceptance included : 1. Proof that I have or ever had any contractual obligations to pay Commercial Acceptance for this alleged debt. 
2. Proof that Commercial Acceptance owned this alleged debt and had the right to collect on it. 
3. A copy of the original bill as my insurer at the time, with which I had 100 % coverage of any and all medical procedures, required a copy of the original bill to A. Verify this was my bill, and B. Compare it to their records to determine if they had already paid the original creditor Commercial Acceptance chose to completely ignore my validation of debt request and did not send any of the requested information to validate this alleged debt. 

Another certified letter with return receipt was sent to Commercial Acceptance on XX/XX/2021. It was signed for XX/XX/2021. 

This letter requested that, because Commercial Acceptance did not send any response to the debt validation letter, that Commercial Acceptance : A. Immediately Stop reporting this alleged debt to any and all Credit Reporting Agencies B. Immediately request the deletion of this alleged debt from any and all Credit Reporting agencies to which Commercial Acceptance had reported this alleged debt. 

As of XX/XX/2021, Commercial Acceptance is continuing to report this debt to XXXX, XXXX, and XXXX agencies and has not requested that this alleged debt be removed from my file with these agencies. 
It is a violation of the FCRA as well as my consumer rights to report inaccurate or fraudulent information to any credit reporting agencies.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (FL)

I opened an account in XX/XX/2021 with gemini.com to trade crypto currencies. After completing the sign up process i transferred funds of {$23.00} as a test and used those funds to purchase XXXX. 

They except funds and will allow trading but are keeping my account in a : PENDING VERIFICATION '' status. It has been now over a month and gemini will not allow me to transfer or withdraw anything. I have emailed them and they responded 2 weeks later with no solution. They have not responded to any emails i have sent after. I AM NOT THE ONLY PERSON with these issues. 

Gemini is holding everything ( even my small amount ) hostage because of a verification? I am glad i did a small test amount. This company is not trust worthy.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (LA)

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Consumer complaint received 2021-07-26
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: EQUIFAX, INC. (MD)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Ive filed a dispute in regard to the incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-07-26
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Account Name : BANK OF AMERICA Account Number : XXXX Date Opened : XX/XX/2012 Balance : {$3100.00} Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was terminated from my job since XX/XX/. I took out insurance for insurance for XXXX and unemployment. The XXXX XXXX agent XXXX, XXXX XXXX XXXX office told me that i have to keep making payments until the claim kicks in. She says I can make a minimum of {$240.00} and i would not get reported negative to credit bureaus. 
Accordingly, i am required to sign a deferred agreement. I did that on XX/XX/XXXX  and made the required payment which I have proof of. They cant find a copy of the agreement so corporate office reported my account delinquent with the credit bureaus.
Consumer complaint received 2021-07-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom it may concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor XXXX. 

The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all XXXX  accounts be remove and deleted from " Transunion '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. 

I have also attached and highlighted a document where the CFBP had the creditor XXXX  account deleted from my XXXX  profile, but the same account is still being report erroneously on Transunion
Consumer complaint received 2021-07-26
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: ACIMA CREDIT, LLC (CT)

3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts. 

1. XXXX XXXX 2. Acima Credit XXXX XXXX 3. XXXX XXXX
Consumer complaint received 2021-07-26
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: CITIBANK, N.A. (NY)

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. ( My last communication was XXXX, see attached ) I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format formate ignoring to report. 

CITIBANK N A Account ID : XXXX The account is incomplete. The complete and itemized listing of the dates for these accounts was never provided. I am having trouble getting them from the original creditor. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain loan.
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (FL)

I have my money stuck in Coinbase and I recently complained to them that I need to change the Link bank account on my profile but all i keep getting from them is this ( We've reviewed your Coinbase account and determined that you're no longer eligible to use the Coinbase platform. This includes purchasing cryptocurrency, depositing into Coinbase, sending cryptocurrency off of Coinbase, and linking new payment methods ) I have a lot of money in the coinbase and they won't let me withdraw my money. I have opened numerous tickets XXXX. 

I have uploaded the account closure documents they asked for and still yet they don't want me to get my money out, this is my money and I also got another email from coinbase saying they will forfeit my money and close down my account which they have no right to do that.
Consumer complaint received 2021-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

There is a creditor Seq Fin Services putting medical bills not belonging to me at all but by my husband who i am and was seperated from and had no knowledge of this debt or its occurance. Suddenly The company sequoia put the debt under my credit bureau despite me telling them i am not the debtor they didnt care and said they will collect the money from me instead.. I am not the owner of the debt at all. I reported this to XXXX  XXXX failed to get proof of this debt not belonging to me and failed to remove this from my credit bureau.
Consumer complaint received 2021-07-26
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. (AL)

I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Consumer complaint received 2021-07-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: NCB Management Services Inc. (CA)

I have filed a FTC report to get the account NCB MANAGEMENT SERVI off my credit reports ( XXXX  and XXXX  ). I have sent letter and filed a FTC report and they continue to report this negative false information on these to bureaus, which goes against the Fair Credit Reporting Act.
Consumer complaint received 2021-07-26
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. (FL)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I, XXXX XXXX, am in fact the consumer and a natural person, whereas, I of age, of majority, depose the following facts ; so be it, now present ; The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it. 

Pursuant to the Fair Credit Reporting Act any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer and I, XXXX XXXX, the consumer and natural person, did not give any debt collector nor consumer reporting agency any written instructions to report the alleged account to any consumer report. 

Therefore, any and all names and addresses that does not accurately represent me as the consumer and does not match the one and only name and one and only address that is listed below must be removed from my consumer report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sure that the removal of the incorrect names and addresses from the consumer reporting agencies records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy and rights as a consumer will not be violated again. 

Please also send me proof of this removal to the address given above, this will include an updated consumer report.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Upon viewing my credit reports, I noticed my XXXX  Account number : XXXX has a discrepancies in the " Late Payment Status '' section of the listing. Experian and XXXX  reports that I was 120 days late which I was not. There are several inaccuracies violating the FCRA Requirements.
Consumer complaint received 2021-07-26
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. (TX)

Upon viewing my credit reports, I noticed my XXXX Account number : XXXX has a discrepancies in the " Late Payment Status '' section of the listing. XXXX  and Transunion reports that I was 120 days late which I was not. There are several inaccuracies violating the FCRA Requirements.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (TX)

I received 6 debit cards linked to 6 different Charles Schwab bank high yield investor checking accounts. I never opened any such accounts, in fact, I have no accounts with charles schwab. I called the company and they have put a fraud alert on the accounts but they recommended that reach out to this agency. 
The rep was unable to give any details, not the date account was opened or the contact details used for the transaction. 
I recently unfroze by credit about 3 weeks ago.
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RockLoans Holdings LLC (TN)

This is my second attempt to get this alleged debt removed from the consumer reporting bureaus. I requested verification on the alleged debt and was not sent a valid contract with my wet signed ink signature on it and also stating I have an alleged debt with XXXX XXXX. My legal requests were failed to be met and they are in clear violation of the FDCPA. This alleged debt needs to be removed from my consumer reporting immediately.
Consumer complaint received 2021-07-26
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. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. I am listing the inaccurate accounts below XXXX ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX/XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX I have filed an FTC report and I will file for litigation due to the stress caused in this matter if not resolved immediately.