davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
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. (MD)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-03-16
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. (TX)

OFFICE OF THE ATTY GEN {$16000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Child Support Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$16000.00} - Payment Info Status Past due 150 days Status date XX/XX/XXXX Past due amount {$16000.00} Original loan amount - Monthly payment {$450.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX TX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account 1 collection account Total balance : {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2021-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NC)

There really wasnt a correct option to choose. This is about the medical data systems reports on my credit report. Its not fair to file a no paid bill on my credit report when Ive NEVER received a bill from anyone on this. From my understanding my insurance paid and it stopped there. No bills were sent to me for any remaining balance. If I am NOT aware of the bill then it cant be held against me! SEND ME A BILL and LETS GO FROM THERE, BUT DONT FILE A CLAIM AGAINST ME FOR SOMETHING I AM NOT AWARE OF. THATS JUST WRONG!!! I pay my bills, my creditors are happy with me. This office or hospital ( who ever this bill is supposed to be for ) is just dishonest. Notify the person of a bill! It only takes a dishonest XXXX that cant do their job to not do so.
Consumer complaint received 2021-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2021 I received a phone number staged to be from TD Bank saying there has been fraudulent charges on my account. The fraudster I was speaking to used the info I had given him because I thought he was a TD Bank rep to get access to my online banking and he stated that there were 17 pending XXXX charges from my account to an email with the name XXXX XXXX. But what happened was the fraudster on the phone added a new contact into my XXXX account titled Your Account and was transferring my money from my savings to checking and then issuing XXXX payments. Then I received texts from TD Bank asking if I wanted the payments to be sent to " Your Account '' which was actually the fraudsters contact name he added to my XXXX account was staging as a TD rep. The actions taken by TD Bank was closing my accounts but they did not freeze them at all and they allowed about {$2500.00} in pending charges that were " Next Day Payments '' on XXXX still leave my account and it wasn't until later until we spoke to a different TD Bank rep that we were told that those charges could've been cancelled while they were pending but it was on me to know that and not the TD Bank fraud department because it was done through XXXX. In total the scammer got around {$3500.00} out of my accounts when most of the money could've been stopped from leaving.
Consumer complaint received 2019-12-29
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. (OH)

I recently got a alert over the Holidays that I had new inquiries and account on my report. I have been in the middle of building my credit and letting it age so I knew I have no appd for or Got any new accounts. I have disputed these and I have shown proof of my complaints and ftc report and still nothing been done I have know my rights and know that this is agasint my rights to report false information and these inquiries and account need to be deleted now XXXX and XXXX and XXXX XXXX and XXXX inquiries and a XXXX account was added and these are not authorized by me and need deleted now before i go to the attorney general to file another complaint
Consumer complaint received 2023-03-28
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. (PA)

Never Authorized or applied to any of these companies XXXX XX/XX/22 XXXX & XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

Approximately two weeks ago, I had received correspondence from American Express inviting me to apply for the AMEX Gold Card by XX/XX/2021, and offering me a substantial bonus of points if I did so. I understood this to be a pre-selected pre-qualified card offer, given the bonus points that were being offered. 

I applied for the AMEX Gold Card shortly thereafter but was denied. I applied for the AMEX Plum Card ( which has lower qualification standards than the Gold Card ), but was also denied. A couple of days later, I was sent correspondence stating that the reason my card application was denied was due to risky credit factors ( generally ). 

-- I am asserting that American Express sent a promotional offer/solicitation, for which it had no desire to follow through on. I am summarizing the aforementioned assertion as a 'bait-and-switch '. 
- The general risky credit factors that were AMEX 's reason to deny me the card, were already known to AMEX prior to me filling out the card application. Additionally, I already have an AMEX card ( secured ) ; due to this, American Express already has more details about my credit file than a 'potential customer '. 

-- American Express 's expected rebuttal of 'all credit applications are different ' is also countered, by stating that it is American Express that sent the solicitation to apply for the credit/charge card. It is American Express that pushed an 'urgent deadline ' to receive points, and it is American Express 's mailer/solicitation which did not contain any information indicating that the solicitation was a general-purpose solicitation or that credit was not likely to be approved.
Consumer complaint received 2021-06-29
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. (MN)

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX  XXXX, XX/XX/2021 and XXXX/XXXX, XX/XX/2021.
Consumer complaint received 2021-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I have written to Bull City Financial Solutions several times trying to get them to verify the debt collections listed below and they have yet to do so. I have also sent three letters to them form the original creditor stating that these accounts were placed in error and for BCFS to remove them immediately and that to has not happened. Enclosed you will see all of the letters. 

Account # XXXX - {$370.00} XXXX - {$280.00} XXXX - {$370.00} XXXX - {$310.00}
Consumer complaint received 2021-07-03
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. (SC)

I have sent out a letter to XXXX, Experian, and XXXX concerning my credit report. Due to suspicious activity on my credit report. I simply asked XXXX  Experian, and XXXX to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days and then a second letter another 20 days of waiting on a response.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (GA)

in accordance with the fail be dit O Search Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose. 
XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax has given me the run around for almost a year now and they are unable to update my credit report. They keep giving me the error code XXXX XXXX But each time I call they tell me something different and say they are escalating but they do nothing. 

I am not able to apply for a mortgage because they are holding me back by not updating my credit report. I am so stressed out and do not know what to do. There has to be someone high up at Equifax that cares enough to help. I do not know what to do!
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (CA)

I have two separate credit lines with fortivia credit both lines show that my balance is not going down after a few months of making payments I realize my balance is still high and I have not used my fortivia XXXX  account since XX/XX/2021 my other account with for XXXX  I was penalized for making my payment early so I was charged for a late fee although my payment was early and then they did not apply my monthly payment to my account someone has kept my money no one wants to reimburse me nor do they want to apply that monthly payment to my balance to me that is actually stealing from someone I never knew that there was a fee for pain one day early I also would like my money back since they are not applying it to my balance nor my account I can not afford to keep doing this it took me months to realize what was happening but I now realize what's going on there are many bad reviews on fortivia credit card line online now I wish I had known sooner someone please help me XXXX XXXX XXXX
Consumer complaint received 2021-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am being XXXX with non-stop mail in debt collection requests at my parents house as well as phone calls by several debt collectors. I am under a XXXX XXXX and am deemed XXXX XXXX XXXX and " do not have the right to contract '' this includes taking out any loans or credit cards without my guardians consent. Also, by court order under Florida law this is ordered by a circuit court judge. Any passed debts I owed are now deemed legally obsolete by Florida law under Florida statute XXXX incapacity as I did not know what I was doing at the time of taking out any credit cards and/ or my legal guardian is responsible for paying debts not me. I have tried to reason with the debt collectors and almost all have released the debts while only 2 others remain harassing me and illegally are trying to collect a debt of a deemed adjudicated mentally incapacitated man by court order. The names of the creditors are below. I also had my identity compromised and information is listed on the dark web according to experian credit bureau. I did not open a capital one credit card in XXXX unlike Portfolio Recovery is trying to claim. Regarding XXXXXXXX XXXX that debt is a medical debt responsible for by my health insurance in XXXX. If the creditors do not remove the debt immediately my guardian will sue them for harassing and unfair practices as a debt collector. XXXX XXXX : XX/XX/XXXX - Present. Portfolio Recovery : XX/XX/XXXX - Present.
Consumer complaint received 2023-03-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Today 's date is Tuesday XX/XX/XXXX. Carrington Mortgage Services LLC have not paid property taxes from the escrow account of my mother 's mortgage since XX/XX/XXXX. The claim the payments keep bouncing back from XXXX ( Virginia ) City Treasurer office. Taxes are due XX/XX/XXXX or the home could go into tax lien sale and Carrington says they are investigating. I suspect they ( Carrington Mortgage Services LLC ) want the home back because there is a significant amount of equity... 

City of XXXX Tresurer office have not been helpful with assisting me with this process.
Consumer complaint received 2021-07-03
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: ENCORE CAPITAL GROUP INC. (TX)

I have sent three certified validation letters to XXXX, Midland Funding, XXXX XXXX and XXXX starting in XXXX of XXXX. I received zero response from any of them. 
In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. 
The following account numbers are what have been disputed with no response. 
Account # XXXX {$4500.00} XXXX /Midland Funding XXXX XXXX, XXXX XXXX XXXX Account # XXXX {$4800.00} XXXX Midland Funding XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX or # XXXX {$5300.00} Midland/XXXX- XXXX XXXX XXXX Account XXXX XXXX {$5800.00} Midland/XXXX- XXXX XXXX XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.
Consumer complaint received 2021-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (PA)

On XX/XX/2021, i reached out to coinbase and coinbase pro support asking for assistance with crypto that i had gotten access to especially since its now involved with my accounts. I had honestly thought it was a donation or an inheritance from an old friend of mine named XXXX XXXX XXXX. Honestly the minute i noticed the crypto and how much it could convert to i was just astonished. I dont know how to convery crypto or safegaurd it or even just transfer it into my own personal wallet so i know it would be protected. But unfortunately within the next couple of weeks after sending the first email to coinbase, i only got responses saying they are either going to close my case or they are going to merge it with all of my other inquiries. Unfortunately throughout this time someone had compromised my phone number and was able to receive the two factor auth codes without physically having access to my device and ended up resetting my passwords and changed my phone number so i lost access immediately. This happened maybe a couple days after i first mentioned a possible hacking. But im disappointed i havent heard back ever since i first reached out to them in may and it is now XXXX. But yeah hopefully something can be done about this issue. It really wasnt my fault for losing access. I tried my bestto safegaurd it all but coinbase just left me on read basically and has not since responded. I even tried to do the recovery and id verification. Have not heard back at all. Im Very disappointed
Consumer complaint received 2021-07-04
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. (NY)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX I had a negative balance on my credit card of {$2600.00} On this date I did an electronic transfer of this entire amount from this credit card to my checking account, both accounts of which are in the same banking institution. Also on XX/XX/XXXX my bank charged me {$130.00} for a " {$2600.00} cash advance. '' I called the company on XX/XX/XXXX to have the " cash advance '' fee removed as my credit card had a negative balance, and I wanted to move this balance to my checking account XXXX my primary account for paying bills, etc ). The company said they could not refund the fee as the terms for a " cash advance : '' were in the credit card terms. I spoke to two employees at the company and they both said I had to pay {$130.00} to transfer my negative balance on my credit card to my checking account.
Consumer complaint received 2021-07-03
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)

I have written all three bureaus several times. I didnt know to keep good records or I wouldnt have proof but I did keep a copy of my last letter that I mailed to them back on XX/XX/XXXX. I have yet to get a response at all. I dont know what is going on but I need a response. For the record, there was no reaction and negative data is in effect mistakenly remembered for my acknowledge report, as I have exhorted you on two separate events, over 50 days and again 10 days prior The examination took longer than 50 days This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are very much aware, government law expects you to react inside 30 days, yet you have neglected to react. Inability to agree with these government guidelines by credit revealing offices are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). I'm keeping a cautious record of my correspondences with you on this matter, to document a protest with the FTC should you proceed in your resistance. I further advise you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you will be at risk for your headstrong rebelliousness. If it's not too much trouble, Remove all Fraudulent records as I have no information on these records because of the Equifax Data Breach/Identity burglary. Everything is being explored by the FTC I'm additionally keeping the organizations recorded underneath educated regarding your unshakable rebelliousness CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and protection CC : Federal Trade Commission CC : State Regulatory office CC : California Regulatory office Division of customer objections
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

After examining the report, I noticed certain information in my personal profile, specifically negative accounts on my credit report, which can not be verified. This is concerning since I've been a subscriber to XXXX for monthly reports and have consistently contested fraudulent accounts. However, today, I came across a negative entry I haven't encountered before, along with other inaccuracies in my personal profile, and it appears no action has been taken. I have no connection to the accounts mentioned below, and therefore, I request your assistance in removing these negative entries and inaccuracies from my profile. I have enclosed copies of my Utility Bill statement, driver 's license, and Social Security Number for verification purposes with this written request. Please prioritize the resolution of this issueXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX