davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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. (MA)

I am responding to a previous complaint # XXXX. EXPERIAN said they contacted a public records company to verify my non public personal information on my consumer report. I never gave EXPERIAN or any alleged data furnisher my written permission to share any account information on my consumer report. If I can clearly see that 15 USC 1681b ( 2 ) states a consumer reporting agency may only furnish a consumer report with written instructions from me why does the consumer reporting agency continue to say they are verifying accounts on my consumer report with an alleged furnisher??? Delete the following accounts due to lack of written permission from my self the consumer to whom it relates. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Attached is a identity theft report with listed fraudulent inquiries from TransUnion and below are all fraudulent inquiries listed on TransUnion TransUnion Fraudulent Inquiries XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/2022 I received an email from coinbase.com saying that my account is being closed and I need to remove my funds from the account before it is closed. 

Coinbase.com offers a staking opportunity where a consumer can invest in an upcoming cryptocurrency called XXXX XXXX or XXXX. These funds are locked in the staking opportunity until XXXX launches and I have staked two XXXX coins which is roughly {$4000.00} USD. 

There is no way for me to remove the XXXX funds from my account and they must be converted into XXXX or XXXX  before I can remove them from the account. 

I emailed customer support about this issue and on XX/XX/2022 I got a response from coinbase.com support saying they would convert my XXXX holdings to XXXX  so that I could move the funds from my account. Converting a cryptocurrency is something that could be completed within an hour but its been over 5 days now Ive emailed, called, reached out on XXXX and reached out on XXXX to the support teams and I just kept getting told they are working on it but Ive seen no progress. 

Im concerned coinbase.com is going to close my account without giving me the opportunity to remove the {$4000.00} off the account. 

I received absolutely no warning about account closer or anything indicating this was potentially going to happen. I just got an email one day my account was closed. And they told me to remove my funds but Im not able to.
Consumer complaint received 2022-05-31
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.Accounts : XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$200.00} ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00}
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint about four accounts that keep appearing on my credit report and that do not belong to me. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never opened or used these accounts, and I have no knowledge of how they came to be associated with my name. I have made multiple attempts to have these accounts removed from my credit report, but they keep reappearing. 

This situation is causing me significant stress and frustration, as it is affecting my credit score and making it difficult for me to obtain loans or credit cards. I am also concerned about the potential for identity theft or fraud. 

I request that the Consumer Financial Protection Bureau investigates these accounts and takes action to have them removed from my credit report as soon as possible. I will provide any necessary documentation or information to support my claim. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (VA)

XX/XX/2024 received letter stating I owed an amount of $ XXXX to someone ( I believe a water company - one I did not recognize, nor the amount of debt ). I then wrote a letter, see attached, and it was delivered XX/XX/2024. I called XXXX and the gentleman gave me the correct phone number to OHIO branch for who can access my account. I was given XXXX to call TransWorld Systems to inquire that they have dismissed things on their end due to non-response. The first rep I called and spoke with today at XXXX stated that the company sent an inquiry for information to the original debtor on XX/XX/2024. I told the rep that since I had not received the required information back within 30 days, that this is no longer my issue and further action will be required. I was hung up on at this point and called back and got REP : XXXX. Explained what happened on previous phone call, the issue and was on hold the majority of the call. She said she was going to transfer me to manager, which never happened, manager told her that they sent out my validation letter on XX/XX/2024. I stated once again, it's past the 30 days, I never received any communication from the company regarding the supposed debt. XXXX stated they are requesting to send the letter again and I stated that if they resend this letter without verification that they tried to send it originally on XX/XX/2024 such as a tracking number or even via certified mail ( which I work from home and have a XXXX doorbell and no one has tried to deliver anything except USPS postal service ) that it still would be outside the 30 days and is invalid at this point. I told them I was making a complaint to this bureau and that it would be a violation if they continue to try to collect a debt.
Consumer complaint received 2022-10-13
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. (FL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-31
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. (NC)

In accordance with the Fair Credit Reporting act, the following accounts, have violated my rights. 

Transunion : XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Department Of EducationXXXX Account XXXX XXXX XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 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
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I am reporting a Regulation X dual tracking violation. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
The mortgage is represented by XXXX XXXX XXXX ; the account # XXXX and managed by Select Portfolio Servicing ( SPS ). A loan modification was initiated in XX/XX/XXXX. 

SPS took so long with Loan Modification that instead it was decided that the property be sold. In XX/XX/XXXX I listed the property for sale and after several contracts my realtor was able to find an all cash buyer. 

SPS ordered the 1st appraisal they have been holding up the file for so long that SPS had to obtain another appraisal. I learned that the property diminished over {$200000.00} while SPS was " reviewing my file. 

Meantime while I am working on selling the property for close to the appraised value SPS files for foreclosure with the house to be sold a Sheriff Sale XX/XX/XXXX. 

I have an all cash buyer and every document requested has been submitted by me and my Realtor. 

Selling the property is important to me and my family as the Short Sale will have less of an impact. 

Since XX/XX/XXXX SPS has had all documents requested. For the month of XX/XX/XXXX they had my Realtor change things back and forth on the HUD-1 then only to have her change things back to the way it was prepared XX/XX/XXXX! It is Now XX/XX/XXXX and they are still creating what I feel is a false delay using changes to the HUD-1 to hold up the Approval so the property can be sold instead of lost to Foreclosure Sheriff Sale in XX/XX/XXXX. 

SPS should not be moving to Sheriff Sale while we are working on the Short Sale closing date. I wrote to the State of NJ Foreclosure division but was told there was nothing that could be done. 

Please advise.
Consumer complaint received 2022-05-31
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. (NC)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.Accounts ; Experian : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2018-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (NY)

Working with XXXX XXXX XXXX medical supplies for XXXX XXXX supplies. Company is very messed up on website and billing. Bills came with number and very confusing information. Called numerous times over a year, even reps at the company were confused about account and they said they can not see what I see on their own website which is crazy. Finally changed suppliers and things are fine. But XXXX XXXX XXXX is saying I owe {$180.00} which I do not believe I do since website has numerous duplications of equipment and items I did not order. It finally went to XXXX XXXX XXXX and I requested in plain easy to understand what items they are supposedly billing me for. Its been over a month now and have not received a statement as of yet. Today the collection agency called me to pay and I said I am awaiting paper work. They inturn said yes XXXX XXXX XXXX has not gotten back to us. so I said why are you calling me then. They just apologized. This company is just a crazy mess and I want this to stop. Thank you
Consumer complaint received 2022-05-31
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. (NC)

In accordance with the Fair Credit Reporting act, the following accounts, have violated my rights. 

XXXX : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATION/XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX Equifax : XXXX XXXX XXXX  Account # xxxxxxxxxxxx XXXX XXXX XXXXXXXX XXXX Account XXXX xxxxxxxxxxxx XXXX XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX Department Of EducationXXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Bank Account XXXX XXXX 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
Consumer complaint received 2022-05-31
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.Accounts : EXPERIAN : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$200.00} ( Original Creditor : XXXX ) XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$13000.00}
Consumer complaint received 2019-11-04
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. (FL)

I have update my address with XXXX, XXXX, TransUnion, XXXX, XXXX   XXXX, XXXX, XXXX and XXXX and the three credit bureaus, XXXX, XXXX and TransUnion will not report my current Address. I also have disputed negative unverified accounts with XXXX, XXXX  and TransUnion and they come back reporting account was verified but have not sent any proof of Verification and how did they verify my account.
Consumer complaint received 2022-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (CA)

The mortgage company after correcting there mistake, sent to the credit reporting company, Stating I had missed payments. They reported I'm 30 days late between XX/XX/2020 until XXXX XXXX reporting is not correct. They refuse to report I was current as I was told they would do after resuming payment from our forbearance agreement. Was told, if I was current before the covid hardship agreement that once I resume payments, they would report all payments to be current.
Consumer complaint received 2018-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (OH)

I have been working with XXXX XXXX for going on 5 months trying to repair my credit and pay off debts. I have been on a payment plan for going on 3 months instead they continue to send threatening letters with lawsuits even though I'm in the process of paying off the debt. Every time I talk to somebody on the phone they pretend like they don't know what's going on it's a very uncomfortable experience. I have no idea why they keep sending letters to be taken to court when I am in the process of paying the debts currently. I have received 11 letters in the past 3 months. Every time I try to rectify the situation they tell me that the person that is working on my account is not in the office. Again I have been making current pants for the past 3 months yet they continue to pursue me for a lawsuit. They are also sending the letters in the mail without an envelope with everything written in the open on a postcard for anybody to look at that comes across the mail. This is nothing short of harassment.
Consumer complaint received 2024-02-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (UT)

We moved. Cancelled direct tv service with XXXX. We cancelled well before the next monthly billing cycle. XXXX charged me for an extra month anyway. The rep i closed the account with warned me that XXXX is aggressive and will try to charge you an extra month. And she instructed me not to pay it if they do try to extort more money out of me. And she said she documented in the file that I cancelled in time to avoid another monthly charge.
Consumer complaint received 2022-05-31
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

LexisNexis has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. 

PUBLIC FILINGS BANKRUPTCY CH-XXXX DISC XXXX not mine
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

There are several inaccurate accounts on my credit report that I have tried to address with the actual creditor, collection agency, and credit bureau they have ALL failed to provide me with the requested information. I am now seeking to summon them ALL to small claims court to assist with rectifying the situation. I have asked them numerous times and they have ALL stated that they have verified this account belongs to me without providing proof as requested. This is causing me great stress and if this is not fixed asap, I will be suing ALL.
Consumer complaint received 2022-12-18
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: Collection Consultants of California (FL)

I have no idea about a collection account that appears on my credit file. I wrote the collection agency a letter demanding proof of what they were collecting and reporting. This was over 60 days ago and they have just ignored the letter and continued to report wrong data to my credit files.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-20
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. (MI)

Checking my credit then I noticed someone used my information without my consent to call about XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX  on the date of XX/XX/2019 XXXX on the date XX/XX/2019 XXXX on the date of XX/XX/2019 XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX  on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX  /XXXX  on the date of XX/XX/2019 I need these items listed removed off my report its making me look bad as Im tryng to advanced in my life.