davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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. (AR)

Upon reviewing my updated Credit report, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and Section 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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. (LA)

I received an Investigation Report under Confirmation # XXXX from Equifax dated XXXX concerning several unauthorized Hard Inquiries on my Equifax consumer report. According to State and Federal Consumer Laws ( FCRA ) you were required to conduct a reasonable reinvestigation of the disputed information as I requested.

The disputed Hard Inquiries that lack Permissible Purpose as defined per U.S. Code 15 U.S.C. 1681 et seq. Section 604 of the FCRA. XXXX  form is not sufficient as per the above sited laws. 

On XXXX XXXX, The XXXX XXXX XXXX XXXX XXXX ruled that XXXX can not only use XXXX forms to verify consumer disputes. The Court stated that XXXX forms are not deemed as a reasonable investigation as a matter of law. 

Please DELETE these unauthorized Hard Inquiries due to FCRA violations.
Consumer complaint received 2023-10-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NV)

XXXX gift cards were purchased from XXXX. Both cards had been used by fraudulent use and the {$500.00} cards had been drained. I filed a claim with XXXX, back in XX/XX/XXXX. I followed up in XXXX requesting the status of my claim and have not yet been informed. File # XXXX.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

inproper use of my credit dont recognize accounts voilation XXXX XXXX XXXX XXXX pertmissible purpose for which consumer credit reports can accessed and used by third parties. these account was open without my permission or consent
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TN)

on XX/XX/XXXX, i attempted to make a withdraw from my account in the amount of {$500.00} at a XXXX XXXX XXXX XXXX ATM. When making the withdraw from my Navy Federal Credit Union account using my ATM/Debit card the ATM only disbursed {$250.00}, XXXX - {$10.00} bills. Which equates to {$250.00}. After contacting both banks about this error neither bank will accept the irreputable proof based off of their own ATM transaction log.
Consumer complaint received 2023-01-14
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)

While checking my Transunion consumer report, I notice unauthorized and fraudulent credit inquires made by the following companies ... Block and remove all Inquires listed below resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c- ( 2 ) which states that these inquires must be removed within 4 Business Days of receipt. I have also mailed out a FTC report to Transunion. 

XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-01-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (NC)

I tried to make my monthly Morgage payment. Today is XX/XX/2023 XXXX am. The company website will not take a payment until XX/XX/2023. A late payment is added if payment is not made by XX/XX/2023. It is not fair for the company to refuse to accept a payment in order to collect a late payment.
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (CA)

Hello, My name is XXXX XXXX XXXX, XXXX XXXX, XXXX, California XXXX. I am a client ( Client Account : XXXX XXXX ) of the crypto currency exchange, Payward INC. ( XXXX XXXX ),  XXXX XXXX XXXX, XXXX, California XXXX ; that does business in California as crytpcurrency exchange ; Kraken, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, California XXXX. 

On XX/XX/XXXX, I am the owner of XXXX EOS tokens ( worth on that date, {$8500.00} ), an Ethereum ( ETH ) based XXXX token. XXXX tokens are only abled to be sent to and from using the ETH block chain. Kraken utilizes unique crypto currency wallets addresses to track the deposits and withdrawals for the ETH and EOS tokens. 

On XX/XX/XXXX, EOS social media reported that the holders of EOS tokens would receive free airdropped tokens for each EOS token they own, and that the free airdrops would occur on or about XX/XX/XXXX. The EOS related information explained that in order to receive the free airdrop tokens your EOS must be held in a ETH wallet address before the XX/XX/XXXX deadline. On XX/XX/XXXX, I sent XXXX EOS to my Kraken ETH wallet address in order to obtain the free airdrop tokens. 

After my XXXX EOS was sent from XXXX  ETH wallet address ( XXXX ) to my Kraken ETH wallet address, ( XXXX ), Kraken did not did not credit either my Kraken ETH or EOS wallet addresses with the XXXX EOS tokens ( my digital currentcy property ) that I had sent on XX/XX/XXXX. 

On XX/XX/XXXX, after waiting for Kraken to credit my EOS or ETH wallets with my missing XXXX EOS tokens, I submitted a Kraken support ticket, ticket number XXXX, requesting a credit for my missing XXXX EOS tokens. After submitting my support request I did not hear anything back from Kraken. I also found out afterwards that Kraken does not support the free EOS airdrop tokens because the exchange does to provide the private keys for their exchange wallets, and therefore I was not able to obtain any of the free EOS airdrop tokens. 

I have emailed Kraken multiple times over the last two months, and to date, I have not received any resolution about fixing this matter, or a provided with a status of when they will either credit my Kraken ETH/EOS wallets that they are going to provide me with compensation for my missing XXXX EOS tokens or about giving me compensation about the {$8500.00}, the value of my tokens at the time, that they are withholding in the EOS Contract deposited to my Kraken ETH wallet, XXXX. 

I have the EOS token Tracker that shows that on XX/XX/XXXX, XXXX EOS tokens where sent from this ETH wallet address, XXXX, and sent to my Kraken ETH address, XXXX. 

I also have the ETH event txt logs that show when the transaction was conducted, ETH block number XXXX, and the EOS token holder from contract number, XXXX, that shows XXXX EOS tokens was sent to my Kraken wallet address : XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I am writing to express my concern regarding discrepancies found in my recent credit report, which I reviewed on XX/XX/2024 ( Experian report number XXXX ). As a consumer, I understand my rights under the Fair Credit Reporting Act ( FCRA ), which stipulates that consumer reporting agencies must employ reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. 

Upon reviewing my credit report from Experian, I discovered multiple inaccuracies pertaining to my name, address, and employer. These errors are concerning as they can have significant implications for my financial standing and opportunities. Enclosed with this message is a copy of the letter I addressed to Experian on XX/XX/2024, outlining the specific inaccuracies and providing correct information. 

I am reaching out to the Consumer Financial Protection Bureau to request your assistance in addressing this matter promptly and effectively. It is imperative that Experian rectifies these inaccuracies in accordance with the FCRA guidelines to ensure the integrity and accuracy of my credit report. 


I trust that the Consumer Financial Protection Bureau will take the necessary steps to investigate this issue and ensure that Experian complies with its obligations under the FCRA. I kindly request regular updates on the progress of this investigation and any actions taken to resolve the inaccuracies in my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SELECT PORTAFOLIO SERVICING SPS 1- On XX/XX/XXXX, I requested SPS in writing to return the Escrow withheld for insurance and taxes, which I had already paid in advance and yet SPS continued to charge them monthly. 


2- On XX/XX/XXXX, they sent me a letter responding to mine on XX/XX/XXXX, 6 months later, where they told me that they accepted to make the return. 

3-In the statement for the month of XX/XX/XXXX, no money appears in the Past Payments Breakdown category. 

4- I made a call in XXXX and they informed me that they had sent a check for that value to XXXX XXXX when my address is here in XXXX Florida XXXX I told them that no check had arrived in XXXX and that in any case they could see in their bank statements if the check had been cashed, which has not happened. 

5- Since XXXX I have been calling to find out about my money and every 15 days he tells me by phone that the money is already going to be sent to my address in XXXX XXXX that in 15 days and so on and it has been another 6 months and every time I call They tell me the same thing, to wait 15 days, and a year has already passed since I made my request. 

I request an
Consumer complaint received 2023-01-21
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. please remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX .... Balance : {$5700.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-30
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Palm Beach Credit Adjustors, Inc (CO)

On a letter dated XX/XX/XXXX I was contacted by Focus Financial Services for a bogus medical debt by a doctor that I had seen and paid in full at the time of service. On XX/XX/XXXX, I responded to Focus Financial Services by divulging that the debt was bogus and erroneous and asked them proof of its validity. I sent Focus Financial Services my letter via fax and certified which I received confirmation receipts from Focus Financial Services on. I never received any further communication from Focus Financial on my request for documents or anything else after I sent them my letter. 

Today I was informed that Focus Financial Services reported the bogus debt under my credit profile to all three major credit agencies XXXX on XX/XX/XXXX which has now greatly affected my personal and professional perfect credit profile and caused me great emotional distress. 

By doing so Focus Financial Services has failed to take the required legal steps to investigate the integrity of this debt which I am disputing under the Fair Credit Reporting Act and broke the law by reporting this bogus collection under my credit profile 10 months after the fact without contacting me and follow the proper procedures prior to doing so.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Identity Theft! There are accounts in my credit report that are not mine. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters! Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-01-21
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. (GA)

I have informed Equifax on numerous occasions that I am not able to see my consumer file/report nor access my credit score since XX/XX/2022 which I need for applying for a mortgage credit transaction. I have been denied from multiple lenders and my consumer file have been pulled from multiple lenders which resulted in multiple hard and soft inquiries.
Consumer complaint received 2023-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CERTIFIED COLLECTORS, INC. (TX)

In XX/XX/XXXX, I rented a house from XXXX XXXX ( property management company ). After XXXX months, I left the property because they would not allow multiple pets at the property, which was fine by me given the square footage of the house. I paid a fee, lost my deposits ( rent and pet ) and moved on about my day to another rent house. 

In XXXX, I entered into a XXXX month lease of a rent house with XXXX and XXXX real estate in XXXX, TX. As my wife and I were expecting a child, we temporarily rented a house until we had saved enough money to purchase a much larger house. 

On multiple occasions, the home owner, not the property manager, would come by frequently, unannounced to check on the property. I had contacted the property manager multiple times of the incidents and told the property manager and owner, to abide by the Texas law and allow for XXXX hours notice before coming in the premises. My wife felt immensely uncomfortable as the home owner would sit under the windows and " clear any weeds out of the yard. '' Eventually, enough was enough. The property management company did nothing about the harassment, so we placed our 30 days notice, lost pet and rent deposits and left. 

My wife and I found out of the Certified Collectors of XXXX, Texas had placed the combined debt of the XXXX companies for almost {$15000.00} with NO detailed statement of the charges. After requesting multiple times and not receiving anything other than, " You were contacted sir .... '' we contacted the original creditor. 

For XXXX XXXX, we settled on a debt and that debt was confirmed and approved by management. We have the messages of confirmation from XXXX. 

Between the harassment from the collection agency, failure to produce the documentation, pursuing debt outside the state 's statute of limitations, fraudulent claims and more, we have continued to seek legal action against Certified Collectors of XXXX. We want to ensure this does not ever happen to anyone again!
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo is not allowing me to register my credit card account online. This is the service that Wells Fargo offering to other consumers and that is advertised to the public. but I am denied to access the service. 

When attempting to create an online account in order to manage my credit card I am receiving the following message : " We couldn't process your request online. Please call us at XXXX for help. '' During the last month I had called Wells Fargo at the above mentioned number at least twice. The first time I called Wells Fargo representative informed me that Wells Fargo is aware of an internal problem that it is experiencing and that it will fix the problem in 3 business days. 

I waited 4 ( FOUR ) business days before attempting to register for online access again and when I tried to register again I experienced the same problem, so I called Wells Fargo again. During the phone call I was transferred to different departments at least three times and every representative that I spoke with interrogated me with a series of questions for a long time and eventually said that the problem was not in the competence of their department. 

The last representative I spoke with failed to resolve the problem and requested that I visit a Wells Fargo office with the closest office to my address being more than XXXX miles away.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2023 and again XX/XX/2023 I called XXXX XXXX regarding my XXXX credit cards about the hardship program. I spoke with XXXX ( ID XXXX XXXXXXXX ) about the XXXX program and enrolled. At that time he stated they would no longer be reporting my payments late and would remove the late payments from all 3 credit reports as of that date. This has not happened and I was lied too by the customer service representative. Not only did they fix the previous late payment reporting, they reported the payments that I did make as late as well. Now my credit reports ( all 3 ) are showing that I am 90 to 119 days late or 60 to 89 days late. I would not have entered into this program had the customer service rep lied to me about the outcome and what XXXX XXXX was willing to do. I simply was trying to get back on my feet after a temporary job loss and they preyed on my niativity.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NY)

I purchased a XXXX  XXXX XXXX and was financed by Wells Fargo. When the vehicle got totaled the XXXX  coverage was never applied. Which resulted in getting put into collections. I made multiple calls, attempts and sent the XXXX  coverage paperwork even the dealership that I purchased the vehicle from did as well. 
Nobody could understand what I meant and always seemed confused. I explained over and over again that the {$500.00} i was charged off for was the negative equity but shouldnt be on my report due to me having gap coverage and should be covered they refused time and time again. Instead they sent my information to all 3 credit bureaus at that time when I tried to get a another vehicle and couldnt because they put me as late and into collections. I needed to pay almost XXXX % interest because of their error and needed to wait 7 years for the false information to be removed. Im entitled to the compensation from their negligence during this matter costing me thousands just in interest alone let alone everything else ( calling, complaining, disputing and getting no where and waiting 7 years for the false information to be taken off my report )
Consumer complaint received 2023-01-21
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX/Dept of Ed # 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