davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
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. (TX)

I am writing to you because I have items that are not mine. Please check the following items, make an investigation of them, and delete them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-08-06
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. (FL)

Experian has consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with Experian and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws Experian has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise Experian to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. Experian should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report.

Once their reinvestigation is complete, I would like for Experian to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41.
Consumer complaint received 2021-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to deal with this bankruptcy on my credit report that has the wrong information on it. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My zip code on the bankruptcy says : XXXX and the correct zip code is : XXXX. 

2. The last four of my social security number on the bankruptcy is : XXXX and the correct last four of my social security number is : XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. I have attached a copy of the petition given to me by the clerk office. I also high lighted the incorrect information for you. The case number is : XXXX.
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION (MD)

This incident happened at Fulton Bank, XXXX XXXX XXXX - XXXX. We have a business account under name of XXXX XXXX XXXX. 

Check deposit was made in amount of {$150000.00} on Saturday XX/XX/2021. Service Officer/Teller told us that money will be available in 2-3 days i.e. max by Wednesday XX/XX/2021. 

Today when I went to the bank, I was informed that I won't be able to access the funds till Tuesday XX/XX/2021. Service Officer has placed a 7 day hold on the funds and there's no way to access the funds. When I requested to talk to Manager I was told no manager is available and surprisingly 2 Branch Managers have left the bank within last 6 months. 

After couple of hours I received a call from Ms. XXXX XXXX from Fulton Bank who identified her as the Manager - Vice President and informed me there's nothing she can do to help me. I volunteered to provide all the documentation showing the source of funds and also requested that we need to get this hold lifted. Only reply I got was she can provide me a copy of the 7 day hold that was placed on the deposit. 

Below are the concerns/questions that needs to addressed - - Why we were not told about the 7 day hold when we made the deposit? 
- Is it even legal to place a hold for 7 days without we being made aware? 
- Why we didn't receive any mail or electronic communication regarding that hold? 
- Why we were lied about accessing the funds in 2-3 days? 
- When I visited the Branch, why there was no Manager or a Supervisor to address my concern? 

This is a real inconvenient way to do banking when you can't even access our own funds. Please help to resolve this issue and lets make sure no one else suffers like I did. 

Thanks & Regards, XXXX XXXX Owner - XXXX XXXX XXXX
Consumer complaint received 2021-07-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (MS)

on XX/XX/2021, i sent my first letter to CMRE FINANCE SERVICES , INC WITH NO RESPONSE AND ON XX/XX/2021 I SENT THE 2ND LETTER TO THEM FOR THE ALLEGED DEBT OF XXXX THAT I DON'T OWE. NEED ASSISTANCE OF GETTING THIS MATTER RESOLVED BECAUSE THEY HAVE VIOLATED BY NOT RESPONDED THE FIRST TIME WITHIN 30 DAYS. I HAVE MY CERTIFED MAIL RECEIPT # XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

In XX/XX/2017 my husband passed away after battling XXXX XXXX. Because of this i was unable to afford to live in my house. I contacted Mr. Cooper, my mortgage company, and told them in was interested in proceeding with a deed in lieu. I filed paperwork including financial records and a hardship letter. After numerous phone calls, all harassing, all asking the same questions, i was informed that a lien was placed on my property and a deed in lieu could not proceed until the lien was satisfied. I could not find any liens and was never allowed to proceed with the deed in lieu. The harassing phone calls continued, the late fees keep piling up and the homeowners association related to the property has attached my bank account. Recently, I hired a lawyer/ realtor to short sale the property. Mr. Cooper, without my knowledge locked me out of the house. The company they hired stole a refrigerator from the back deck and cut the copper pipe from the basement. Even with these issues we found a qualified buyer. My realtor proceeded with the short sale filed all the necessary paperwork numerous times ( we tried to go to settlement and had to change the dates 3 times ) and Mr. Cooper had no intention of letting the short sale happen. Im at the end of my rope with the deceptive tactics Mr. Cooper has used to block me getting rid of this property. I just don't understand what they have to gain by doing this to someone. I did not stand to make anything off this property I just want out I cant afford it.
Consumer complaint received 2021-08-05
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. (CA)

I have a credit card on my credit report with these 3 credit bureaus, they are reporting my XXXXXXXX XXXX XXXX XXXX XXXX card account as negative when it is in a positive exceptional payment history status and is in good standing, I contacted the creditor which they admitted it was an error on thier part And corrected it, and applied the 6 payments to the 6 months that were missing because I paid my bill off early for the year, they also informed me they were going to send a letter stating my account was paid up and is in a positive status, which the credit bureaus investigated and closed the account still reporting it as negative, they need to change it to an exceptional payment history,. I have attached the letter sent to me from the credit card company for XXXX XXXX XXXX stating my account has been paid on time and in good standing.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 


I've sent a letter to the bureau on XX/XX/2021. Today 's date is XX/XX/2021 and I have yet received an update. Please update my credit profile as soon as possible.
Consumer complaint received 2021-07-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (MS)

i sent a letter to AD ASTRA RECOVERY SERVICE on XX/XX/2021 about a alleged debt of XXXX that i don't owe. i requested for the validity of the debt by certified mail # XXXX XXXX XXXX XXXX XXXX and has not heard from them.
Consumer complaint received 2021-08-06
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. (FL)

Upon checking my credit report, I noticed a number of fraudulent inquiries. I didnt request credit from the following companies. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX XX/XX/21 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXXXXXX 5.XXXX XXXX XXXX 6.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX 11.Ally XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX Please see FTC report attached. All of the following inquiries are fraudulent!!
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

Description : I purchased XXXX in Bitcoin using the application Coinbase  in XXXX of 2021. Since that time, I haven't done any other transactions using the Coinbase  application. On Monday, XX/XX/XXXX at XXXX, I received a text from I believe Coinbase ( number on text was XXXX ), stating a " New Login successful. If this was not you, visit coinbase.com/disable ''. People have told me never click on the link in a text that you are not absolutely sure who it is so I didn't. I called the support number for Coinbase and disabled the account. At approximately XXXX that night someone withdrew from my entire portfolio of {$18000.00} leaving me with a XXXX  balance. I had to have Coinbase recovery my account which took 3 days. On XX/XX/XXXX, at XXXX, i received another text ( from XXXX ) stating the following " withdrawal successful. If this was not you, visit coinbase.com/disable ''. At this time my account was in recovery so I could not signon. On XX/XX/XXXX, at XXXX ( from XXXX ) stating " Your coinbase account recovery is successful. You should now be able to signin ''. This is when I found out my portfolio was XXXX. Since then I have sent all the information to Coinbase who has opened case # XXXX to investigate my fraud case. It's now XX/XX/XXXX and seven days have passed and no response from coinbase as of yet. I have filed a police report with the local station here in XXXX XXXX. The police record for my case is XXXX and Officer XXXX XXXX was the policeman who spoke with me. He call me on the evening of XX/XX/XXXX at XXXX to follow up if I had heard back from coinbase which I informed him I had not as of yet. He did send an email to coinbase as well on XX/XX/XXXX the day I reported with all my information. Last night he said he would send another one and check back with me in a week. I am very frustrated at this point since there is no one to speak with at coinbase, everything being handled via email. Where can I turn to at this point?
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kohn Law Firm S.C. (IL)

Hi my name is XXXX XXXX, I am seeking advice in regards to a judgement that has been placed against me by XXXX XXXX XXXX. The case has been turned over to Kohns law firm. I was not aware of this judgement until recently when I checked my credit and reached out to XXXXXXXX XXXX XXXX to inquire about the collection and was told it was on a legal hold. I was never sent a letter or any other notice or phone call stating this was going on or given opportunity to take care of the problem before it got to this point of a lawsuit. I have reached out to the law firm and was told they had a court date coming up in XXXX but they will not give me the date or any other information.I have not been served anything in regards to the matter. When I call I feel they are only trying to collect information against me and not allowing me to rectify the situation. At this point I am unsure of what measures I can take and can not afford anyone to garnish my wages.
Consumer complaint received 2021-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. 

These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 

I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am in error, then please send me proof of this.
Consumer complaint received 2021-08-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (OH)

I attempted in XXXX of XXXX to pay my mortgage directly from my payroll to Wells Fargo Bank NA which was identified as the third party that would receive payment for XXXX ( yes, that XXXX ) DBA XXXX XXXX. 

The funds were not credited by XXXX XXXX which has prompted a 10 month wild goose chase to try to recoup these funds. 

I have provided a Letter of Indemnity twice to the fax number provided by Wells Fargo in order for them to investigate my claim and go into the account to recoup my funds. 

Wells Fargo has not acknowledged receipt and has not made contact with me regarding the disposition. I would really like the {$1300.00} returned.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (FL)

I took a loan with loanme.com in XX/XX/2021 ( Acct # XXXX ). I began having issues with paying the loan in XXXX of XXXX and removed auto-pay from my account. I contacted loanme.com to see if they can help me get back on track. They agreed to lower the bi-weekly payments by half and agreed only if I set auto-pay back up. I did that and was able to afford my payments, but now in XXXX they reverted back to the original payment and I am about to get overdrawn again on my checking account. There was no warning and they just changed the payment without authorization. I've spoken to some people who have stated that the loan interest rate is illegal in FL as well and that FL law requires that they offer me a payment plan if I am unable to pay.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (WI)

While in the process of leaving a relationship that involved domestic and financial abuse I transitioned my payroll into an account that was not accessible to my partner. 

I knew this would result in overdrafts, but had to do so to utilize my available funds to support my children while protecting them from autopsys associated with bills that are not my own but I was removed from accessing to remove my banking information. 

Eventually auto payments of my own that is forgotten started to come in, and I realized the account was now essentially frozen. When I logged in to see what the total damage to the account was recently, I noticed the bank had without my request, consent or proper communication issued a credit for the total overdue balance when the early child tax credit was deposited. I was initially excited about this as I believed I would be able to right the account much sooner than I had originally anticipated. 

Until I started getting overdraft notices again. 

I have contacted the bank multiple times to inquire as to why charges to the frozen debit card are still being allowed to process through and to request they recind the credit if the sole purpose is to collect additional fees for insufficient funds even though Ive requested multiple times the account be frozen/closed. 

The total balance they are now claiming owed to them in overdrafts and fees is well over XXXX and not a reasonable thing for me to correct. I feel this is fraudulent and intentional on the behalf of chase to hide manipulation of the current economy to appear as if they are helping their customers, when in reality, they are using it to build their own profits by opening the accounting automation system to accept new charges they are aware will be declined, resulting in additional fees. 

Im reporting this because this is predatory under every definition of the term. Ive had this account for several years with no issues related to insufficient funds, and feel they are trying to take advantage of my circumstances and income to justify fraudulent fee accrual.
Consumer complaint received 2021-07-30
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. (IL)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX XXXX BREACH AND XXXX HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

Company name is first Federal credit control. I sent out three letters asking for medical debt to be validated. They havent sent me anything that proves the debt is mine, they only send me letters saying I have to pay it and sent me a copy of the reason for hospital visit which is violating hippaa. Amounts are {$1300.00} and {$120.00} from First federal. I have attached proof of hippa violation
Consumer complaint received 2021-08-06
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: DISCOVER BANK (MA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.