davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (VI)

I asked this company multiple times to send the request information since XX/XX/XXXX. The company claim they sent it on XX/XX/XXXX. No information still. I'm requesting again the initial letter with the XXXX account information. In addition to the age of the account, the amount, the charge of date, the card agreement. Please uploaded it in this system. Note cease to desist. Any information reported to credit reporting agencies will result other remedies. 

Also, the company can't collect in the XXXX XXXX. No license. They not in compliance. XXXX claim they are. I have proved no license issues here.
Consumer complaint received 2023-03-24
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. (VI)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/1990 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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)

I have tried to resolve the problem with no results. XXXX XXXX XXXX is a collection agency which is not licensed in the state of California and is illegally trying to collect a debt. I have a complaint on file and it was not satisfactory XXXX. The response from XXXX XXXX was unacceptable. CFPB closed the file accepting the response from XXXX saying licensing is delayed. That is totally illegal. Collection agencies must be licensed properly before harassing and sending threatening letters. That's like a consumer or a driver not having a license, if detained that driver is fined. I am requesting all of the data collecting companies XXXX XXXX, XXXX and Equifax along with the other data XXXX XXXX, XXXX and the others remove this data from my consumer credit reports immediately. Above all permissible purpose was not given by this third party to report my information.
Consumer complaint received 2023-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (VI)

This debt collector Phoenix Financial Services keep accessing my credit. XXXX and XXXX they did the same thing for some bill in Florida. I already advised them multiple times that it's ID theft. I dispute the debt. They are fraudulent practice. I live in the XXXX XXXX XXXX and they don't have a business license. Any information sent to the credit reporting agencies will result in a lawsuit. Before, I asked for the bill statement, the medical provider information, did they send to health insurance and auto insurance companies. 



I want to know the creditor name, if the account is time barring, the age of the account, reporting information, amount on the account. Removed all information of credit reporting agencies. 


Remember : I dispute the entire balance.
Consumer complaint received 2020-09-30
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: SYNCHRONY FINANCIAL (TX)

Paypal - XX/XX/XXXX amount is XXXX. I ordered XXXX pcs of a white drawer type shoe box. I received the product during the first week of XXXX. I opened the package and tried to put one shoe box together. IT would not even shape into a box. I then filed a complaint with Paypal that the product is significantly not as described and provided pictures. I tired to reach the seller at the email provided XXXX, it returned as not valid email. They never responded to my complaint. It has now been two months and I keep getting the run around from paypal stating they are waiting on the seller response. I want a refund and this product shipped back. I keep checking with Paypal and they keep telling me they are working it. It took a month and a half to be delivered.

Paypal case information below : Not as described - claim Case ID : XXXX You reported that the item youve received wasnt as described. 

You filed the case We've received the seller 's info We've reviewed the info We're reviewing the additional info given by the seller Estimated case resolution XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX You'll receive an update soon XX/XX/XXXX What's happening with your case? 

We're reviewing the information provided by the seller. 

What happens next? 

We'll get back to you soon with a decision or reach out to you for more information.
Consumer complaint received 2020-09-30
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. (NJ)

I'm in the process of refinancing my home and Equifax has failed to product my credit report to two different lenders. XXXX  and XXXX did not have any problems.

I was able to get my Equifax free report but lenders, based on their internal policies need to get the report directly from equifax. Without the three bureaus credit reports, the lender can not process my mortgage. 

I contacted Equifax in early XX/XX/2020 and they told me they did not see any issues however two different lenders are not able to get my credit score from Equifax.
Consumer complaint received 2022-10-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2017 XXXX {$2200.00}
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am interested din processing disputes on my credit report to delete an remove the inaccurate information that is hindering my transunion credit report to clear all data that is hurting my file. this is my 2nd attempt. please delete asap to clear the errors listed from the credit reporters.
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VI)

This company did a soft inquired on XX/XX/. I already on an active payment arrangement. Why is your company keep running my credit for? 

I make my payments. Your company is illegal running credit.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RGS Financial, Inc. (CA)

RSG Financial added the account in collections to my credit report. They have not contacted me by phone or in writing and refused to provide details when I tried to call and get more information after seeing the collections account on my credit report due to the fact I was not comfortable giving them my social security number over the phone. 

RGS FINANCIAL Last reported XX/XX/XXXX {$260.00} Open balance 11 XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 11 XXXX XXXX
Consumer complaint received 2022-10-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2017 XXXX {$2200.00}
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX XXXX Creditor Information : Company Name : Fortiva Complaint : I am writing to formally file a complaint against Fortiva regarding their fraudulent activation of a credit account in my name. 

Details of the Complaint : 1. Fraudulent Activation : Fortiva fraudulently activated a credit account for me, despite my explicit decision to not open the account. 2. Exorbitant Fees : The accou
nt was activated with fees that are significantly higher than those advertised, which I did not agree to. 
3. Refusal to Close Account : I have requested Fortiva to close the account and waive any fees associated with it, as I did not authorize the accounts activation.

4. Threats of Negative Credit Reporting : Fortiva has refused to close the account and has threatened to report negative information to credit reporting agencies if I do not pay the unjust fees. 

I am requesting an investigation into Fortivas practices regarding the fraudulent activation of accounts and their unjustified threats to report negative information to credit bureaus. 

Resolution Requested : Immediate closure of the unauthorized credit account.

Removal of any fees or charges associated with the account. 
Assurance that no negative information will be reported to credit bureaus related to this matter. 
Investigation into Fortivas practices to prevent future occurrences of similar issues. 

I appreciate your prompt attention to this serious matter and look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

To whom it concern : I believe my wife and I personal identities have been compromised by a fraudulent agent that stated he was a customer service representative from Back of America. He informed us that {$400.00} was debited from our checking account and he needed our social security numbers and debit card information in order to reimburse us for this fraudulent charges to our account. We contacted Back of America fraud department to inform them of this situation and also contacted the Attorney General of Rhode Island to inform him of this situation. The Bank of America fraud department informed us that they did not contact us and have no record of any customer service representative had contacted us. Therefore, the fraud agent from Bank of America is scam and that we needed to contact social security department and Attorney General of Rhode Island about this situation.
Consumer complaint received 2023-01-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VI)

During this week alone, I have had XXXX phone calls to my cell phone from XXXX, XXXX, and today XXXX. All are identified as Portfolio Recovery Service licensed to do business in XXXX VA. There is never a message left. I never have gotten any formal written communication from this company. We do not have a mortgage, car loan, student loan or unpaid medical bills. We pay the balance of our credit cards each month. If this was REAL instead of a robo call or scam, there would be written communication. I see in 2015 there was a formal filing against this company. Why are they still in business? Why would any governmental body allow a company like this to get a license to operate in their jurisdiction? 

What do they expect to get out of a call if I did pick up the phone? Do they target people of a certain age, i.e., XXXX? Yes is the answer to that. I want the calls to stop. That is the resolution I want and my second request is that the federal government put a stop once and for all to these practices. I reiterate. If they had a reason to be calling me, I would have some sort of written communication as to the supposed debt. 

Lastly, I'd like to say XXXX things. My husband was a XXXX XXXX XXXX XXXX XXXX  and he would like to see all the companies that operate in this fashion, prosecuted. Second, by all means, please publish this complaint.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I started the process of applying for a loan refinance in XXXX with Fifth Third Bank. I worked with XXXX XXXX NMLS # XXXX and XXXX XXXX   NMLS XXXX. They both validated that all information that was needed had been submitted by XX/XX/XXXX and that the loan would be moved to underwriting and would close in early XXXX at the latest. I have reached out in writing multiple times and left multiple emails for them to give me an update. The only reply I have gotten is that there is no update to give. It has now been over XXXX months for this process. Today XX/XX/XXXX, I received a call from someone representing Fifth Third bank that they needed my payroll information again because it had been so long. It is unbelievable that they have taken so long that my documentation is no longer in date. I feel that it has been well over the allotted time to process this loan and I would not like for anyone else to go through this experience.
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL AND PHOTO ID TO USE MY IDENTITY ALSO THESE FRAUDULENT INQUIRES 1.XXXX  2.XXXX 3.XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-09
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. (VI)

The credit bureaus never did proper investigation according to the FCRA. It has been XXXX or more years now since I've pay off my loan an i still seeing a charge off on my credit report. The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general, reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with other with whom he is acquainted or who XXXX have knowledge concerning any such item of information. They did not do this. Also they have violated my rights ever more. In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigation but how is so if the inaccurate an the account is not deleted this ground foe removal. They also violated the laws because according the 15 U.S.C 1681 section 602 A. state i have rights 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. I did not give anybody written instruction.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

I was locked out of my Coinbase account and no longer have access to the email address associated. 

Back in XXXX I contacted Coinbase and was directed to make a new account which i did. They then had me upload information to verify my identity.

Since I uploaded all that was asked, I have received no response or access to my old account.

Since my initial complaint to them the value of the portfolio has more then tripled.

I filed a formal complaint with Coinbase over a month ago, was told a specialist will reach out and once again received nothing. I am currently filing another formal complaint with them.

Coinbasess communication is horrendous and actions are unethical. They are clearly keeping my portfolio and riding the recent boom to there benefit.