davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

They have been harassing me for two years. Over a {$250.00} medical bill from XXXX XXXX XXXX XXXX XXXX that I can not pay because I am XXXX. They have asked me questions/said comments such as where does your money come from? Cant you ask a family member or friend to pay it? How do you pay your bills if you are XXXX? Can you take out a loan or sell something of value? Thats just a few of the unlawful things they have said to me. 

They have called me up to 8 times a day sometimes, sometimes at XXXX, sometimes in the middle of the day, and sometimes late at night around XXXX. 

THE BIGGEST COMPLAINT : they have for the last 6-8 months removed the debt from my credit report and then move it to my husbands credit report ( which I NEVER gave them his info! ). Then they will take it off his and move it back to mine. MANY TIMES! I have proof of this! 

YOU HAVE TO STOP THEM! They are abusive and harassing and should be shut down. I have contacted the original biller at XXXX XXXX XXXX XXXX XXXX and they said they can not help me. 

PLEASE STOP THEM! They are ruining my credit and my husbands ( which they were NEVER GIVEN PERMISSION TO DO & I NEVER GAVE THEM HIS INFO! ).
Consumer complaint received 2023-12-28
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. (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX  is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been contacting XXXX XXXX about a card that was opened that has been reporting on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They have closed the account on one bureau, deleted from another bureau, and showing on XXXX. This is illegal ; and needs to be DELETED from my credit bureaus. I havent had a card with XXXX XXXX and i have disputed this. they keep updating the dispute
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached a picture of an account from XXXX that is not a personal account and it shouldn't de reporting to my personal credit bureaus please dealt his account
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I deposited a check from the irs from my business taxes that had been held for over 7 years and Bank of America closed my account and are currently hold my funds stating that its under fraud investigation although they where cleared and Ive also contacted the irs and have my transcripts showing my information the irs said that the funds havent been returned to them either I feel like my funds are being held to collect interest I would just like my money if the account is closed and the check cleared as of XX/XX/XXXX its now XXXX and Ive had no correspondence from BOA., and Im being forced to involve my lawyer if nothing is settled about my funds.
Consumer complaint received 2020-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

My name is XXXX XXXX, and my phone number is ( XXXX ) XXXX. 

The following email contact XXXX XXXX XXXX with the phone number XXXX needs to be reported as fraudulent. 

They posted an ad on XXXX for a golden retriever puppy, and we emailed them about it on XX/XX/XXXX using the email XXXX. 

XX/XX/XXXX we received a reply through XXXX that they wanted to get the puppy to us ASAP, and all we had to do was pay {$300.00} to the shipping company, XXXX XXXX XXXX XXXX. We got suspicious when the began to tell us we had to " hurry '' to get them the money, and through PayPal under my email, XXXX XXXX XXXX XXXX, I sent it as a business transaction. They told us we must not send it as a business transaction on PayPal but for " Family and Friends ''. They continued to tell us we needed to rush, and the emails they sent had very incorrect grammar and structure, so we got suspicious. They then told us that the puppy, flying in from CA, would be there by XXXX when we were talking to them at XXXX in GA with the package weighing only XXXX for a XXXX week old puppy. From there, we did not send the money again because we realized this was a scam. We need to get our money back and make sure the " Business '' transaction does NOT go through via PayPal.
Consumer complaint received 2022-11-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2022-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OR)

I moved out of XXXXXXXX XXXX in XXXX of 2022. They charged me for my entire security deposit ( roughly {$3000.00} ) and wanted another {$470.00} for damages. 

I already disagreed with what they did. We left that apartment in great condition and they said they had to replace ALL the carpet which was absolutely unnecessary. 

I didnt have the willpower to fight them and just dealt with the loss of my deposit. That {$470.00} is not a debt, its a dispute and they legally have to take me to court for that money if they want it. 

Instead they said it was a debt and sold it to a collection agency. The email I got I thought was fake until XXXXXXXX XXXX sent me an alert about my credit report. 

XXXX sold this fraudulent debt to Columbia Debt Recovery on XX/XX/XXXX. 

I dont know what to do. I was finally recovering from my bankruptcy, and preparing to buy a house now that Im finally out of the XXXX. 

Please help me.
Consumer complaint received 2023-08-10
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. (GA)

Experian is reporting a debt that XXXX removed a long time ago because creditor was not able to validate debt in the timeframe given. 

The FCRA states debt must be removed if not validated and XXXX did just that. 

Experian is still reporting this collection account on my credit report from the company. 

XXXX Outsourcing balance of {$4700.00} This is a violation of the Fair Credit Reporting Act as Experian must Follow Suit and remove this debt.
Consumer complaint received 2023-02-22
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. (MD)

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Consumer complaint received 2022-12-26
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. (NY)

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. 

Account name : # XXXX, Account name : # 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 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 2022-12-26
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. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-26
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. (NY)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I would like to explain that I deliberating between two programs, and I couldn't accept both. One was a modification with my current servicer, and the other was GA Assistance Home Modification that my Servicer Recomended. 
I am process in getting the paperwork from my daughter at this time regaurding her XXXX so that I could provide GA with Paperwork. This a work in progress. Below I have attached my report for your records, inicating why there is delay. 
During Covid I had a hard time renting my home due to covid restrictions, and lack of internet.
Consumer complaint received 2020-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (VA)

PNC sent me a flyer advertising that if I opened a new checking account and made direct deposits, they would give a {$500.00} new-account bonus. I opened the account and made the direct deposits. I chatted with representatives on more than one occasion, and they told me the direct deposits qualified me for the bonus. 

After several months, no bonus was paid. After chatting again, I was told they couldn't find the {$500.00} bonus promotion, but they had a {$300.00} bonus promotion, and I still qualified. After another couple months with no bonus, I chatted with PNC to find out what happened, and they tell me I don't qualify for the bonus because I didn't have the right kind of direct deposit. 

This is infuriating. I could have made other direct deposits if they told me previously that my direct deposit was not the right type. I asked EXPLICITLY about this, and the entire conversation was documented in their customer-service chat logs.
Consumer complaint received 2020-01-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (NE)

I've been working with this account for awhile and everything was going good as i am on a credit payment plan. I was almost a XXXX on my score. I noticed i dropped 36 points. This company Enhanced Recocovery Company has not tried to reach me nor call me when they have my updated information. All was being paid by another collection agency. I feel like i am back to square one.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate . But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-12-26
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. (RI)

I am reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the information to be reported on my consumer report. I am requesting that this information be blocked and deleted from my report. My request to block is not made in error ; nor is my request being made on the basis of material mis representation. The identified transactions are copyright infringement as they do not have my consent to use my copyright trademark for any reason. 

XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you
Consumer complaint received 2020-01-02
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. (NJ)

I have accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX   XXXX- opened- XX/XX/XXXX amount {$3900.00}
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Auto loan at XXXXXXXX XXXX XXXX XXXXXXXX has been paid off and account information needs to be updated. 
Balance {$6500.00} is incorrect. 

Balance is {$0.00}
Consumer complaint received 2022-12-26
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 MAKING THIS COMPLAINT FOR MYSELF. THERE IS NO THIRD PARTY INVOLVED. 
my name is XXXX XXXX and i am a victim of identity theft. 
My consumers report has all of these fraud inquiries and addresses. 

Below i have attached my id, ssn, ftc report, and proof of address. 
Remove all of these fraudulent inquiries and addresses that dont belong to me. 
I have also mailed the bureas a copy of these documents as well. 


UNAUTHORIZED INQUIRY : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ XXXX
Consumer complaint received 2020-01-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

An account was fraudulently opened in my name in XXXX at Bank Of America sometime several years ago. I however I live in XXXX and did not open this account.In fact at the time the account was opened Bank Of America did not even have a retail branch in Minnesota. 
I have been trying to resolve this with Bank of America directly. A claim was Filed on XXXX XXXX. 
Since the filing of the claim I have had the following contact : XXXX XXXX -- XXXX XXXX XXXX -- -XXXX XXXX XXXX -- Ms XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX people XX/XX/XXXX -- Multiple people Each of the contacts indicated that the issue will be resolved. Its been 4 months and this is affecting my ability to open a joint account with my husband and affects my credit
Consumer complaint received 2022-11-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. Listed account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$2.00}
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MN)

I've already contacted every agency I can think of about this theft. SEC, FTC, CFTC, MN XXXX XXXX XXXX, XXXX, and the XXXX. I've already leveraged this complaint with the CFPB per complaint ID XXXX, however the CFPB refuses to actually take action against Coinbase for their theft, and so I intend on resending this complaint again and again and again as long as I need until it is resolved. 

On XX/XX/2021 I purchased XXXX XXXX  at XXXX per XXXX  for {$6.00}, or {$7.00} after fees. I was properly given the XXXX XXXX. Then days later Coinbase stole XXXX XXXX from me without warning. I have evidence of this via a receipt, via video, via pictures, and via screenshots. Had I purchased only XXXX XXXX at the quoted price then it would have cost me {$0.00}. If I'd purchased at the current price as of writing this ( {$0.00} ) then it would have cost me {$1.00}. Not only have Coinbase stolen my crypto, but they have also stolen my money. The math doesn't lie.