davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accounts Management, Inc (CA)

I received a debt collection from AMI for medical debt from 2002. My ex wife is stipulated to pay in the divorce proceedings, but they refuse to stop trying to collect it from me. Further, AMI has charged an exorbitant {$500.00} from two separate charges of XXXX and {$88.00}. There was no contract from the hospital to collect interest. This is a violation of FDCPA Accounts Management Inc. 
XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX
Consumer complaint received 2020-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
XXXX XXXX XXXX : DPT ED/XXXX  ACCOUNT NUMBER : XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

Reviewed most recent credit report from ( insert credit bureau name ) and I noticed inquires that did not belong to me. After reaching out to the creditors I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so.

After contacting the CRA I was meant with push-back even though I expressed the inquiries in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

Per : 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2023-01-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (IL)

On XX/XX/2020 World Finance Corporation falsely reported a fraudulent account that was obtained illegally using my social. I have reach out to the company numerous times to delete the negative account, but nothing was done. I also sent them a copy of a police report stating that my identity was being used without my consent.
Consumer complaint received 2023-01-01
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: TD BANK US HOLDING COMPANY (TX)

Finance manager illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( A.Basalo ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX  ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX XXXX never authorized ) and TD Auto ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX XXXX  at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for my mom, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX XXXX  XXXX Regardless of that the fraudulent Finance Manager pulled the credit with XXXX unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TN)

I settled my account with Conns. Its two months later and they are still reporting late payments to the credit bureaus. I disputed the information with Conns and they removed the marks from XXXX  but they still reported another late payment to XXXX  and XXXX. It is my understanding that Conns is required to submit corrected information to all XXXX credit bureaus.
Consumer complaint received 2020-06-15
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (MD)

To Whom It May Concern : I rented an apartment at the XXXX XXXX  for 2 years and during that time, I CONSTANTLY had to contact the Property Management team about the incorrect charges on my account. 

Some of these charges include : - Wrong Rental Amount - Utility Charges that should not be applied to my account. ( i.e. Gas Charges ) - Unfulfilled Maintenance Requests ( i.e. Mice, Insects ) - Incorrect Fees ( i.e. Late Fees ... I was never late with my rental payment. ) I moved out of the XXXX XXXX  in XX/XX/2018 and left my apartment keys in the kitchen like I was informed by a property representative when I called their phone line. 

I even followed up with the property on XX/XX/2018 to make sure everything was good with my account, but the property manager did not respond to my email. 

5 months later, I'm receiving a call from a debt collector for over {$1300.00} dollars in charges. These charges were completely false and my lawyer sent a scathing email to the property disputing all of the incorrect charges that have been clearly added to try to damage my credit on purpose. 

After receiving my lawyer 's letter, the property sent a revised ledger that removed half of the incorrect charges, even though ALL the charges should have been removed. 

This is important because the property NEVER updated the collections agency of the new balance. The collection agency is still trying to collect the {$1300.00} dollar amount. 

My lawyer has advised me to submit a complaint against the property and sue them in small claims court for damages to my credit and for wrongfully sending false information to credit bureaus in hopes of damaging my personal renting history and credit.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I contacted capital one several times due to my XXXX XXXX  being shut down due to Covid19 and understood interest and late fees would be waived during shutdown especially XXXX, where I live, however, they did charge interest and late fees several times and my credit went over the limit, lowering my credit score. I contacted capital one on XX/XX/XXXX and they stated there was a hardship program that would lower interest from 26 percent to 7.9 percent and I stated I would call back in XXXX if we were still on shut down, which we are. When I called back to make payment arrangements on hardship program I was informed that even though they informed me about this program they will not extend that offer to me, I keep asking why and they keep evading and stating it is not for me and there are no hardship programs for coronavirus income loss. I emailed the CEO of the company XXXX XXXX and president of retail XXXX XXXX for help and neither one responded. I have gone on XXXX  and XXXX and get the run around. They stated they can only remove one interest and late fee and extend the payment due one more month. I only qualify for {$180.00} weekly for pandemic unemployment for XXXX XXXXd weekly and can not pay over $ 300 month with that amount as I have rent, food, utilities, etc. I am offering to pay just need to modify interest and monthly amount. If my credit score continues to go down I will not be able to lease space when we finally open up in XXXX again as they do credit checks to lease fitness studio space. I am so upset that they informed me of the hardship program and then stated, but it is not for me. These are extreme circumstances we are all facing and especially hard in XXXX and no one could have anticipated this. I am willing to pay I just need some arrangement.
Consumer complaint received 2020-06-15
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. (UT)

I have sumitted 4 disputes with equifax credit bureau and they keep giving me the same run around. I had an agreement with a creditor ( XXXX XXXX ) to have an account be removed off all 3 credit bureaus. They was removed off all but equifax, I have submitted multiple disputes with equifax with the same outcome. I have submitted documentation of a deletion letter to have an item removed off my report and they tell me it is not adequate information, and they have contacted the creditor and it shall remain on my report. I have contacted the creditor ( XXXX XXXX ) and they say they have submitted over 3 times the code equifax needs to delete the item. When I have called equifax about my last dispute they said they contacted the creditor on a certain date to verify the account status and that it would remain on my credit report, when I contacted the creditor they said they have not been contacted by equifax. Equifax is not doing their jobs correctly and are hurting me as a consumer.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

I write to demand that US Bank investigate and respond to every complaint that I may make to the CFPB as filing false, misleading, inaccurate responses especially those to close EX PARTE investigations through concealment us a very serious matter much worse than willful FCRA violations. I complained to the CFPB that US Bank was in willful violation of the FCRA by refusing to promptly report my 2 accounts as closed. Subsequently, based on newly discovered data about US Bank reporting my 2 accounts as OPEN to XXXX on XX/XX/2023, I filed another good faith complaint with the CFPB due to remedy the Facially False Data from continuing to appear. To avoid responding to my new complaint with pertinent information, US Bank summarily closed my second complaint EX PARTE to avoid response, to conceal the facts or avoid investigation. On XX/XX/2023, US Bank mailed me the attached letter stating that it reported my accounts as closed. However, that is false as it reported my accounts to XXXX as OPEN on XX/XX/2023. The truth matters!!!
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MO)

They told me that my account has been placed under review but refused to tell me why. I asked to speak to a supervisor and I was refused and then ultimately was hung up on. I also asked for a number to the corporate office to talk to somebody that was capable of making a decision and I was refuse that number.
Consumer complaint received 2020-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

XXXX Mortgage has started to thereaten me with foreclosure of my home. They falsely claim that my mortgage payments have not been made, even though I have validated proof that those payments have been made through automatic withdrawals from my bank account. In my discussions with them over the past several months, they note that their records show payments received in the proper amount in the proper time. 

Lately, I've received letter noting a reversal of funds applied to my mortgage and a request for {$15000.00} payment. Along with the delinquency letter, it shows that my payments that I made starting in XX/XX/2019, were being reversed. 

To date, no one has been able to explain what " reversed '' means to me, and I continue to receive threatening foreclosure letters. The " so-called '' reversals are not credited to my bank account from which they were dispersed. 

I've never been late, nor have I ever paid less than the agreed upon amount.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

FRAUD at COINBASE This publicly listed company is refusing to provide information concerning the unauthorized access and theft of my funds. 

There are over XXXX other clients, based on press reports that have had there funds stolen at Coinbase. 

I logged into my account today XX/XX/XXXX and have reviewed the transaction history. 

The Fraud occurred on XX/XX/XXXX. 

The amount stolen was {$4600.00} None of the actions were authorized by me. 

A XXXX debit card was entered into Coinbase by an unauthorized user. 

This XXXX debit card ends in the digits of XXXX. 

It is still listed on my account but Coinbase refused to provide the full information so it can be traced. 

Coinbase has refused to provide the full debit card number so XXXX XXXX in XXXX can track the cards use and its history. Current was the company that issued the VISA DEBIt CARD I have looked at the transaction history. 

I had a dual use verification set up with my phone. This was set up in XXXXXXXX XXXX XXXX 

Coinbase never used this to inform or confirm the fraudulent transactions. 

There are at least 7 to 8 entries in the account history made from XXXX back in XXXX and XXXX of XXXX. 

A password reset transaction was made on XXXX XXXX XXXX from XXXX. 

The funds were stolen on XX/XX/XXXX XXXX XXXX XXXXXXXX. 

I do not live in XXXX. I live in the USA I did not authorize the addition of any payment method from a XXXX debit card. 

I only use my lap top to sign into Coinbase. It was in my possession at the time of the fraud. 

No customer service representative contacted me on my lap top or on my phone during the fraud. 

I have never had any noticeable interruption in my phone service or been a victim of phone /sim swap. 

I have never received any communications from Coinbase claiming to be a Coinbase rep I was NEVER contacted by COINBASE about a new payment method, ( false XXXX DEBIT Card ) being entered into my account. 

There is no malware infection on my laptop as I have run scans. 

I do not know how the thief entered into my coinbase account. 

The list of actions NOT authorized by me include the following ; 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  I am asking the CFPB, as recommended by my Congressman XXXX XXXX, to fully investigate this fraude.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-02-09
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: WELLS FARGO & COMPANY (AL)

I applied for a credit card from wells Fargo with aXXXX credit score they discriminate against me by denying me credit with XXXX credit score .That along show improper use.
Consumer complaint received 2023-01-05
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (FL)

I'm getting a derogatory mark from XXXX XXXX that I'm paying through USB Collections I called them 3 times to let them know I changed Bank Accounts. It was a charged off account but now it's showing not just a charge off but newer late payments after being charged off. On XXXX XXXX and XXXX left messages with no response My go to person is XXXX XXXX her Tell # is XXXX. My reference # XXXX I get her voice mail and says she would call in 24 hours and hear nothing from her My XXXX XXXX says XXXX is reporting it a late. I understand with the corona virus there are delays but I need them to contact me so that I can take care of this. Please someone help.
Consumer complaint received 2024-02-26
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. (TX)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} 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 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Child support reported me to be in collections for a case that child support was paid directly from my work checks during the same months it was being reported as a collection improperly. 
This has cause me to lose are large portion of available credit and damaged my perfect credit history. I have been trying for 4 years to get this resolved without succaess.