davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. (GA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2021-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TX)

I was a XXXX and worked in " XXXX XXXX XXXX and XXXX '' on XXXX. I got a XXXX XXXX XXXX on XX/XX/XXXX. XXXX center sent me to " XXXX XXXX XXXX '' for XXXX XXXX to make sure I won't get any XXXX XXXX. I have " Texas Workers ' Compensation Work Status Report. '' I returned it to the XXXX center and HR said the bill would be paid by the XXXX  center. 

When I was trying to apply a per-approval for home mortgage this year. The lender told me that I had a " collection service '' record on my credit report. XXXX center said they paid the bill but the " XXXX XXXX '' said they didn't receive any money. I really don't know how to fix this mistake. I hope you could help me and fix my credit score. I appreciate that you read my words. Please help me : ( Thank you. 

Date of service : XX/XX/XXXX Invoice date : XX/XX/XXXX Amount : XXXX Actions that were taken by company : reported to collection service
Consumer complaint received 2024-03-09
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, XXXX and XXXX has submitted a debt on my credit without my consent, according to XXXX XXXX Code subsection XXXX, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California XXXX, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and last date of activity was XX/XX/XXXX. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( XXXX ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. 

XXXX - Late 150days XXXX - Late 150dayXXXX
Consumer complaint received 2022-05-24
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. (PA)

This is my second time doing this complain I feel that the credit bureaus our taking advantage of me and not taking me serious when I ask them to properly investigate my accounts, these accounts are NOT accurate!!! 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 so this is IDENTITY THEFT! 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
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)

I have sent a letter to the court to see how is the method of verification of the bankruptcy and how are they reporting monthly to my credit the response was they do not report to the credit agencies I have ask for the credit bureaus to verify my information accurately and they are taking advantage of me The Credit bureaus stated my account was properly investigation but how is that possible if its IMPOSIBLE TO VERIFY. This ground for removal they also violated my rights under 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
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)

I have sent a letter to the court to see how is the method of verification of the bankruptcy and how are they reporting monthly to my credit the response was they do not report to the credit agencies I have ask for the credit bureaus to verify my information accurately and they are taking advantage of me The Credit bureaus stated my account was properly investigation but how is that possible if its IMPOSIBLE TO VERIFY. This ground for removal they also violated my rights under 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-27
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (GA)

Victim 's debit card was used to fraudulently withdraw {$27000.00} from my Checking and Money Market accounts with SunTrust. 
On XX/XX/XXXX, Victim filed an online report of fraud ( Claim XXXX ) with SunTrust 's Fraud Department On or about XX/XX/XXXX, Victim filed a report with XXXX Police ( Case # XXXX. Note : On page XXXX of said report, the alleged offender acknowledged his guilt. 
On/about XX/XX/XXXX, Victim prepared and filed FTC complaint XXXX. 
On/about XX/XX/XXXX, Victim filed a 2nd compliant with XXXX Police Department ( Case # XXXX ), XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On XX/XX/XXXX, Victim filed a report with XXXX XXXX Police Department ( Case # XXXX, XXXX XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On/about XX/XX/XXXX, Victim filed a FBI Internet Crime Complaint Center ( ICXXXX ) # XXXX
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

I had a credit card of TD Bank. They are not supposed to charge fee. I do not use it. They charged {$25.00} fee. I never got a statement about that fee. We had changed address at the TD Bank when we moved a new address. I found out that when you changed home address at the bank, they fail to change your address for the credit cards. They say that credit cards department is different. I did not know they chargef {$25.00}. Then every following month they started charging {$37.00} late fee. I accidentally visited the bank and asked them why I never get a statement for my credit card. Since I do not use it, I got schocked. They asked me to pay {$170.00}. Then they said if I paid {$100.00}, the problem will be solved. I paid it the stop the problem at the moment. I now check my account that they still ask me to pay {$73.00}. 
They could have taken that illegal {$25.00} fee from my checking account, or they could charge a reasonable interest. But they chose charging {$37.00} following months. When I checkef my credit score, I noticed that is is lowered from 750 to 530.
Consumer complaint received 2021-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

XXXX XXXX announced the Mortgage relief and I applied though XXXX XXXX XXXX XXXX requested paperwork from my mortgage but have been giving me trouble to release the paperwork W9 I have tried every month to call. 

The name has changed and don't get to the right customer service. 
The email does not work The phone or fax and agency
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Andreu, Palma & Andreu, PL (GA)

andreu , Palma , Lavin & Solis , PLLC trying to secure money for XXXX who bought a debit from XXXX XXXX XXXX XXXX They stated that XXXX had received a judgement that the debit was valid, without my knowledge stating that I had made a payment in XXXX, Not true, my father died in XXXX and my money had gone to pay medical bills. I paid a settlement from my father to XXXX XXXX, I spoke with a man who had an XXXX accent and paid. 
XXXX has bought a debt that was closed years aga. I received a letter from XXXX, XXXX, XXXX and XXXX, When I called them I spoke with a man named XXXX phone number XXXX option XXXX, Who threatened me, said this judgement would last for 20 years etc. I had a legal group litigation practice group who challenged the legitimacy of XXXX claim, when I decided to cease the use of the legal group XXXX XXXX XXXX, XXXX, et. al showed up again with their terroristic tactics
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (KY)

we have our mortgage with AmeriHome Mortgage. We have an escrow account that pays our yearly taxes and insurance. In XX/XX/XXXX our personal insurance company made an error and sent lapse of coverage to AmeriHome. At that time AmeriHome put a forced place insurance policy on our loan and deducted {$1500.00} from our escrow account. OnXX/XX/XXXX AmeriHome paid an insurance premium to our insurance company for {$1400.00}. XXXX XXXX XXXX has contacted AmeriHome on numerous occasions to clarify the error and has sent numerous emails and faxes showing there was no lapse in coverage. I have personally called AmeriHome at least 15 times since then. AmeriHome has sent a letter stating the forceplaced coverage was cancelled but they REFUSE to refund any of the premium ( {$1500.00} ) that was paid out. This incident has made our mortgage payment increase over {$80.00} per month. I contacted the Federal Reserve and they referred me to you. Can you PLEASE HELP ME????
Consumer complaint received 2022-05-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A. (NE)

I have owed money to a debt collector for years for a credit card with a max of {$5000.00}. I maxed out the card and never had enough to pay for it until now. Recently I was contacted by an office who just bought my debt. They as the other company before them states the total I owe at over {$10000.00}. I have never agreed with this amount and even though I verbally and written requests for a history, specifically on the amounts added and why, but have never received an explanation or history to when and why the amounts were added. 
I understand there would be court costs, final fees, and fines, but doubtful over $ XXXX worth. I defaulted on two other cards at the same time as this one ( both now paid ) and never had anything added to the cards ' max other than court fees. One of the cards even took years to pay off. 
Also I have asked to see if their total included previous payments including garnishments. The last person I spoke with stated she only saw XXXX garnishment for {$400.00} when there should be around {$1000.00}. I have the paperwork from a certified accountant who did payroll for my last job as well as pay stubs for proof. 
I have been making payments and to show I was sincere in paying this off started by sending them a {$4000.00} money order and have made multiple {$600.00} payments over the past 10 months.
Consumer complaint received 2019-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts are fraudulent and a result of identity theft. They are not mine. They are currently reporting to transunion XXXX XXXX XXXX XXXX The following inquiries are not mine reporting to transunion XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX The following inquiries reporting to XXXX  and XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX The following accounts are not mine and reporting to XXXX  and XXXX  XXXX XXXX  XXXX   {$950.00} XXXX XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX {$260.00}
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CLGF Holdco 1, LLC (AZ)

I disputed a debt with this company, on XXXX XXXX and they fail to report the dispute to the credit bureau. 
I'm seeking legal consul and the is a violation of FCRA section 623 which carries a fine of XXXX XXXX dollars.
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have made a withdraw from Coinbase US over 5.000 Euro on XX/XX/XXXX. The normal transaction time for XXXX Sepa withdraws is 2 days. I have n't received anything until now ( Tuesday, XX/XX/XXXX ). I have tried to contact the support team from Coinbase and finally get the first reply on XX/XX/XXXX. They told me they will investigate on this issue. Another 10 days later I have n't heard anything!
Consumer complaint received 2015-07-22
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NJ)

I purchased a 2014 XXXX XXXX from XXXX XXXX XXXX in XXXX NJ. I originally planned to finance the car but they told me my payments would be almost $ 800/month. They said my payments would be less if I had a co-signer and if I did a lease and chose the purchase option at the end. I did that but my payments are still high at $ XXXX/monthly. I thought this was unusual for a lease but I did n't know any better. I thought with a lease my payments would be about $ 300/month. I also brought my diploma because they offer {$500.00} off for new college graduates. They switched my mother to the primary when she was supposed to be the co-signer and then said I would not be eligible for the {$500.00} credit because I was no longer the primary on the lease. I really need to know what interest rate I was charged because after reading about this settlement I now fear that I was ripped off on this purchase. They also charged me for a lot of things I did n't request like a key replacement fee, gap insurance coverage, excessive mileage coverage, etc. When I complained and requested that the unnecessary items be removed they said ok but it would n't change my lease payments. I was very confused but by then the 3-day grace period had passed and I was stuck with the car and the high payments.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

On XX/XX/XXXX of 2023, I received a letter in the mail from XXXX XXXX XXXX XXXX Account Number- XXXX they have attempted to state I owe them a debt incorrectly. As of XX/XX/2023, I am contacting them to inform them of my consumer rights under federal code 15 USC 1692k and 1692CA. This company is more interested in verifying my information instead of understanding my federal rights. I have never given consent to this company to contact me over a debt and there is not a good time to discuss this debt. I want this company to cease and desist from contacting me and not report to any credit reporting agencies, and I want to know how they got additional information 15 USC 1692B. I am also requesting a visual contract with this company.
Consumer complaint received 2022-10-13
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. (FL)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$5900.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00}
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CT)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ) on behalf of XXXX XXXX XXXX XXXX XXXX ) with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-09-16
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: Experian Information Solutions Inc. (GA)

I contacted Experian by certified mail requesting they provide proof of contracts between myself and the companies listed under collections on my credit file that are reporting negative information on my file. I requested to be provided with contracts between these companies and myself or for it to be deleted upon failure to produce said contract. I submitted this request on XXXX and it was received by them XXXX. It has been over 30 days and I haven't received any updates and the disputed information still remains in my credit file. The first company listed on my dispute letter was XXXX XXXX XXXX XXXX, which was deleted. The second company is XXXX XXXX XXXX which is listed on my report twice in which Experian has not provided any contract between myself and XXXX XXXX XXXX as requested. The third company is XXXX XXXX in which Experian has not provided a contract between myself and XXXX XXXX as requested. The fourth company is XXXX XXXX XXXX in which Experian has not provided a contract between myself and XXXX XXXX XXXX as requested. I have attached the letter that was sent to them in which I requested proof of contracts between the above companies and myself or deletion of this negative information in my file.