davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account, Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX, has violated my rights.
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (CA)

I changed phone providers XXXX. I received a closing bill from XXXX wireless that included monthly service fees through XXXX/XXXX/15. XXXX agreed to prorate those charges. When I received the new bill the data charge of {$140.00} was not prorated so I withheld it from my remittance. I was referred to debt collectors even thought the charge was in dispute. My credit report has been impacted and XXXX is still trying to collect {$50.00} that they agreed I did not owe.
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: SQUARETWO FINANCIAL CORPORATION (IL)

COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. States that I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause believe that the information is inaccurate.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

The credit collection agency put this alleged account on the credit bureau files BEFORE they gave me notice about the alleged debt. Just received notice of alleged debt in the current month. 

I reported debt as not being mine to the three major credit bureaus. 

It says that the original creditor was XXXX XXXX. 

Requested that the collection agency provides documentation that shows who got this contested account. In the absence of proof of ownership, the collection agencies removed the accounts from my credit bureau file. 

Shortly after the credit collection was removed from my credit reports, one of the credit bureau agencies notified me that the account has been reinstated on my credit files. 

The credit collection agency also says that I paid the account in XXXX 2021. I made no such payment. 

I still have received NO documentation, such as credit application, that the debt is mine.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

15 u.s.c. 1681a and 15 USC 1681 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CONSUMER CREDIT REPORT 15 u.s.c. 1681a and 15 USC 1681 VIOLATIONS, DELETIONS TO CONSUMER CREDIT REPORT Reporting Utilization is illegal. XXXX account XXXX XXXX open date XXXX ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report XXXX XXXX XXXX XXXX ( XXXX ) Privacy Notice XXXX XXXX XXXX XXXX and XXXX Civil liability Delete from credit report immediately.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.
Consumer complaint received 2021-12-09
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. (AR)

XXXX XXXX XXXX XXXX Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX  XXXX OPEN XX/XX/XXXXXXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX  BOTH ACCOUNTS WERE REPORTED AS ID THEFT XX/XX/XXXX. 

BOTH ACCOUNTS WERE DELETED FROM MY REPORT XX/XX/XXXX. 

SEE ATTACHED DELETE CONFIRMATION. 

BOTH ACCOUNTS HAVE RE APPEARED ON MY REPRORT.
Consumer complaint received 2022-05-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

On XX/XX/XXXX, I was sent a XXXX-Covid 19 Recovery Loan Modification Approval by PHH Mortgage which I was to accept the offer and return by XX/XX/XXXX as my forebearance ended which I sent USPS overnight XXXX XXXX ) to the XXXX XXXX XXXX XXXX XXXX I received another package in XXXX of the same documentation with a new payment amount which was to be returned by XX/XX/XXXX, which was not a business day. The package arrived to the XXXX XXXX XXXX XXXX on XX/XX/XXXX ( XXXX ). The first payment of {$1700.00} was due by XX/XX/XXXX which I sent. I received another package in XXXX which was notarized by the bank and next to my name they placed my driver 's license number, I received a call from the mortgage company that they only needed to put my name. I requested that they send out a notary to my home which they did this document was to be returned by XX/XX/XXXX and was received on XX/XX/XXXX. I received a call from the company on XX/XX/XXXX that I needed to sign the document in a former name not stated in the mortgage documents. The representative sent an email with a document to show how it is to be signed but never sent an updated package so when I go to any notary they are saying the date is passed so it can not be notarized. To this day I have not received an updated document but she stated that I have until XX/XX/XXXX to return the document. I did get it notarized and was picked up by the company on XX/XX/XXXX ( XXXX ) XXXX explained that these documents were to be updated since XXXX  and I do not understand why the document is still showing a name that I don't have any identification for and the mortgage note have the current name on my id only. There was no document with the name that they needed me to sign in and it was not explained to the notary they sent. With that my modification was denied but they are not putting the real reason they are saying it was denied because documents were received late. None of my documents was received late. I followed all guidelines. This company need to honor the agreement and if there is something that needs to be done with the Title then they need to find the documents that was sent since XXXX PHH mortgage is not following XXXX Guidelines and something needs to be done.
Consumer complaint received 2022-05-23
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 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (UT)

CBE company calls me frequently, each time from a different phone number. They never leave a message to tell me who is calling or why or how much I owe. Sometimes they have called multiple times in a row. I only know it is from CBE group because my phone gives me caller ID and I check unknown numbers online. I have tried reaching out to them about their calls, asking them not to contact me at work ( they only stopped calling me during work starting XXXX  despite me telling them my days off way before then ) and when I ask why they keep calling they are vague and refuse to tell me what I owe, how much I owe, what it is from, a reference or account number, or literally ANYTHING that I could use to find out information about this supposed debt. I can't even call the numbers they call me from most of the time because no one answers or it says the number is no longer in service. They have been calling me for quite a while, at least since the beginning of XXXX ( possibly before, but I did not have caller ID on my old phone so I don't know for sure ). It seems like every time I try and use their website to get a phone number, the number is different so I stopped trying to contact them because I didn't know that there was any way I could report them or find out ANY information. I do not have any letters from them that I can find ( I have been saving every letter for the past month and a half to see if they may finally mail me something ) and I'm frustrated. I have no information on them other than a name ( CBE group ) and the fact that according to my caller ID, they call from a LOT of different phone numbers. I have stopped answering their calls at all because I have no evidence that I owe them a debt and I will not talk to them again until I have that information ( in the past when I picked up, they started calling daily ). My phone only saves missed calls for a month so I have limited information unless my cell provider keeps those records for longer. For the dates I currently have access to, they called XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those are the times caller ID was noted on my phone. I also received quite a few other calls from numbers tied to the group ( according to XXXX, however, my caller ID did not mark those calls as from them, all of those were on days I worked ).
Consumer complaint received 2023-02-22
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. (SC)

My name is XXXX 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 2024-03-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX has contacted my number on three separate occasions without my explicit consent, and I have not engaged in any business dealings with this company. On XX/XX/2024, I formally requested that they cease and desist from further communication.
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

This is the second time that Coinbase unfairly and through no due process just decide to restrict my account because they somehow had suspicions of fraud. The first time I had filed a complaint was when they decided they need to verify my account, again without any justifiable cause. 

Withholding and preventing me from transferring my funds out of my account for 30 days is not only unreasonable, it is outright abuse of power. From posts in online communities, it is also obvious, this is a common trend and I am not sure why it's not important for Coinbase to fix this process. 

Lastly, I request Coinbase to give me access to my funds so that I can cash out and close my account. I hoped the first time you restricted my account that this is just a one-off glitch and I was just unlucky. But now, it doesn't look like it. 

If you have reasons to believe I violated TOS, please clarify so that I am aware.
Consumer complaint received 2024-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

On XX/XX/2024, I have sent a letter asking for validation of debt from I.C Systems. Within that timeframe, they have added another collection to my credit report. on XX/XX/2024. I have asked for my wet signature and also any documentation noting that I owe this debt. They are also still reporting my deliquency while in dispute.
Consumer complaint received 2020-12-23
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: Resurgent Capital Services L.P. (IL)

On XX/XX/2020, LVNV FUNDING LLC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (MS)

I attend here back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX this school was recently change name was XXXX at time I attend classes do not transfer debt owe XXXX XXXX XXXX XXXX this school misrepresent me leading to a false lie about degree These school are rip off
Consumer complaint received 2021-12-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NE)

On, or about, XXXX XXXX my Coinbase account had a withdrawal made by an unknown source. I filed a complaint with the FBI 's XXXX department. I then sent the information to Coinbase. I also made several attempts to use the support telephone system listed by Coinbase. The audio and visual responses indicated that audio contact was not available for my level of account. 

I tried contacting one of the corporate offices using social media. That ended with no replies. 

Eventually, my balance in the account was taken by Coinbase as payment for the transactions completed by the outside source. 

In XXXX months of attempting to make contact I have had no responses.
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NC)

On Decemebr XXXX I was contacted XXXX XXXX XXXX XXXX stating that I owed {$1600.00} for a Wells Fargo Bank account that i had XXXX years ago trying to collect a debt. stated that i was being sued and was going to jail. They sent me a letter stating if I made a payment the billing descriptor would appear as XXXX XXXX XXXX XXXX. I researched this company and found out that they were scamming people.They told me this account was on my credit report and I know its not because i just brought a home. They were trying to scam me and this company should be shut down
Consumer complaint received 2024-02-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (TX)

I leased a vehicle through Hyundai Motor Finance between XXXX XXXX XXXX. Since lease-end, I have received multiple bills of " taxes '' that I owe. When I try to contact Hyundai to have a more thorough explanation of these charges, they can not provide any documentation defining where they have come from. They are unable to provide documentation of the bill they received from my appraisal district ( XXXX XXXX ), nor are they able to explain to me why I have an " unpaid balance '' totaling {$1000.00} on my account. The " bills '' I have received do not add up to that. In addition, when I try to view the statements posted to my account online, there are not any statements from HMF that add up to that amount either. 

The last time I spoke to a representative, they assured me that I would receive an email with all the tax bills that I owe. The only bill I received was for {$240.00} ( attached as file " XXXX XXXX '' ). I emailed the account who sent me that bill on XX/XX/XXXX requesting the rest of the bills and have not heard back. Their customer service department has been extremely unhelpful and difficult to communicate with. 

One year ago, I also submitted an abatement request via mail, per their very detailed instructions. I never heard back from them and assumed the issue had been resolved until I received another bill this XXXX. I've attached the XXXX  abatement request. In addition, I also submitted a complaint to the CFPB exactly one year ago for this same issue, which was deemed " resolved '' but they never removed the undocumented debts from my account. 

I do not feel like I am obligated to pay a bill that does not have any clear documentation as to where the charges are coming from. Furthermore, my vehicle was for personal use, not business, therefore in the state of Texas my vehicle should have been exempt in the first place. I would like Hyundai Motor America to remove these charges, do not send them to collections, and stop sending me bills in the mail that they can not explain.
Consumer complaint received 2022-05-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My mom passed away on XX/XX/XXXX. I have been trying to pay her mortgage and my mortgage but when COVID hit it became difficult.

I came into some money and I wanted to catch up on my payments to Bank of America. On XX/XX/XXXX I called and spoke to a representative and they laid out some options. She said the best course of action was to submit for a loan modification and to not do anything until it is decided. I did however go ahead and pay {$1000.00} as a good faith gesture. Today I was informed that the girl that originally " helped '' me didn't do the right process. Instead of paying {$6000.00} XXXX grand on the XXXX, had I been instructed to, I now have to pay {$10000.00} plus {$1100.00} for an attorney. These calls are monitored and they should be replayed. We are hit with added money that is not our fault. I was abled and willing to pay on the XXXX but was instructed by BANK OF AMERICAS EMPLOYEE to not do this, so, I assumed I was taken care of.