davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

Due to becoming XXXX with XXXXXXXX XXXX of XXXX, I needed to move to XXXX  due to decreased hours at work and no longer being able to afford rent. XXXX XXXX, CO provided renters the option of a COVID-19 Lease Amendment with multiple options to defer payment, add a co-signer or terminate and vacate ( as seen on attached document ). I personally opted to terminate and vacate. As per the documentation I was not to be responsible for any further obligations. I officially vacated XX/XX/XXXX, per the lease amendment agreement. The agreement was signed by both parties and landlord at that time would have taken the signed copy.
Consumer complaint received 2022-06-19
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account 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 an account without my written instructions.
Consumer complaint received 2022-06-19
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: CITIZENS FINANCIAL GROUP, INC. (IL)

Inquiry details XXXXN XX/XX/XXXX CITIZENS BANK XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-03-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NJ)

The following Item is being listed on my credit report. 
THD/CBNA XXXX I am requesting verification under the XXXX Section 609 ( XXXX ) ( XXXX ) ( XXXX ) that they verify by providing a copy of the original documentation on file to certify that this information is mine and is correct.
Consumer complaint received 2022-03-05
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: EQUIFAX, INC. (NV)

In accordance with the fair credit reporting act XXXX account # 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 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2017 I refinanced my car loan ( XXXX - XXXX XXXX XXXX XXXX, N.C. XXXX - ( XXXX ) XXXX ) Unfortunately XXXX XXXX did not post the payoff for the vehicle until XX/XX/17 which caused a 30 day late payment rating on my credit report. 

I refinanced my car loan with XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, California XXXX - ( XXXX ) XXXX. Thank you in advance for your assistance
Consumer complaint received 2018-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

On XX/XX/2018 I received an email from from Coinbase telling that my purchase for 1 ETH placed on XX/XX/2018 was reversed by my bank. This was in the amount of {$620.00}. This amount was deducted from my Coinbase account which left my account with a negative balance. I immediately paid this negative balance of {$620.00} to keep my account in good standing. I also called my bank ( XXXX XXXX  ) to ask why this reversal was initiated because I did not request a reversal. XXXX XXXX  told me they did not request a reversal and don't have any record of this request being made. I have yet to receive this reversal back to my XXXX XXXX  account even though it was deducted from my Coinbase account. 

This reversal caused my Coinbase account to be suspended. During this time I had 3 pending transactions going from my XXXX XXXX account to my Coinbase account. 1 in the amount of {$420.00} placed on XX/XX/18, 1 in the amount of {$420.00} placed on XX/XX/18, and 1 in the amount of {$500.00} placed on XX/XX/18. All 3 of these pending transactions were canceled by Coinbase. All this money was deducted from my XXXX XXXX  account. It was never returned to me. With each of these transactions I received an email from Coinbase stating that the money will be returned to my bank within 3-4 business days. It never was. Neither was the mysterious reversal for {$620.00}. There was another canceled pending transaction that was sent from my Credit Union not my XXXX XXXX   account that I did get back. That one was in the amount of {$1500.00}. I'm mentioning this one so the emails I've attached make sense. I don't have any issues with the {$1500.00} cancellation. It's been credited. 

I spent several hours between phone calls and detailed emails trying to explain my situation to Coinbase. Phone calls were escalated to a specialist. Then I would wait over a month to get a reply. When I did get a reply I was told to try calling again in 60 days. After 60 days I was told to call again in 30 days. Nobody would look into the problem and try to fix it. In the end I received an email telling me to file a claim with my bank. I contacted XXXX  XXXX  on XX/XX/18 to see if they can help me. I called today for an update from XXXX XXXX and their answer was they are still waiting on Coinbase to get back to them. This was on XX/XX/18. I have yet to see any of this money sent back to my XXXX XXXX account. I have detailed emails and bank statements that can easily back up my complaint. Coinbase owes me {$1900.00} and I don't know how to get this money back. I'm really hoping you can help me out. Thank you for any help with this.
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

contacted muti times about the debt was told that they were investgating but never recived info about the account was told over the phone in XX/XX/XXXX that because there was a payment on the account that it was proof of ownership did inform the company that my mother when she was XXXX did the charges and now I am getting harassed because I disputed the account
Consumer complaint received 2018-05-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AL)

On XX/XX/XXXX, I received an email concerning an auto pay reminder which was surprising to me because I discontinued in auto pay on XX/XX/XXXX. 
The reason I discontinued in auto pay was after they accepted my deferment they then attempted to collect said deferred fees which in turn caused me to over draft with my bank. I filed a complaint with your business at that time and my money was reimbursed. I cancelled all auto enroll payments to Navient to avoid future occurrences. Now, five months later, I had XXXX taken from account today. 
I only work 30 hours a week and can not afford to make any payments at this moment. I reached out to company to request deferment and received a busy signal for number provided on website. I also am unable to defer my loans through the Navient portal. It states that I do not qualify for a deferment of any kind and will only allow me a forbearance. After looking into the the negative aspects that forbearance can do to my financial standing I can not not accept this option.

This leaves me in an extremely difficult position at a financial standpoint and I can not continuously track down the people who state they are here to help me when the only thing they have done is take money out of my account unknowingly
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I received a credit report from XXXX XXXX XXXX that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, 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)

Hard inquiries that are 2 years old are still on my credit report and need to come off. I am trying to purchase a home and this is hurting my ability. I know they are 2 years old but my loan officer wants them completely deleted. I need them off, please. There are 4 that will be 2 years old XXXX and XXXX INQUIRY that should be off there now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I received a credit report from XXXX XXXX XXXX that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX continues to furnish DATA upon my credit profile. I am OPTING OUT any and all information being reported to Credit Reporting Agencies per 15 USC 6802.
Consumer complaint received 2022-02-02
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-10-08
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. (CA)

ON XX/XX/2018 I submitted a complaint to CFPB in regards to incorrect reporting of my student loans by all of the 3 credit reporting agencies. XXXX responded to the CFPB, investigated and made a number of corrections, deletions etc to my credit report. It is not 100 % accurate but it is closer to the truth.

Experian and XXXX sent the standard " we will investigate and get back to you responses '' That was almost 120 days ago. They did not add any additional information to the CFPB complaint nor did they investigate or they would have found that the same thing that XXXX did.
Consumer complaint received 2018-12-14
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: Experian Information Solutions Inc. (MO)

The harassment of a debt not owed by yourself is an emotional form of identity theft in itself, I'm been held to debts inwhich I have no knowledge of. And I surely do not have a contract with the following companies, ( 1 ) XXXX XXXX XXXX for {$210.00}, XX/XX/2018, a date inwhich I was out of town anyways. According to the FCRA, I would had to have an contractual agreement with the creditor in order for me to be an responsible party. Again I have no contractual obligation to the above. As a consumer I'm requesting physical documentation of this debt. And for this one as well, ( 2 ) XXXX  XXXX XXXX XXXX, XX/XX/2018. If these requirements are not met then I have no other option but to file a law suit for emotional harrassment. Again no contract with either of the above.
Consumer complaint received 2018-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (NC)

XXXX XXXX XXXX. 

XXXX XXXX XXXX, NC XXXX XX/XX/2018 Phoenix Financial Services XXXX XXXX XXXX XXXX IN XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED # Re : XXXX XXXX XXXX XXXX Account Number : XXXX Debt Collectors Account Number : N/A Dear Phoenix Financial Services : I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ), XXXX  XXXX  XXXX  ( XXXX   ) and office of attorney general. The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. 



Sincerely, XXXX XXXX
Consumer complaint received 2015-05-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Business Revenue Systems, Inc. (KY)

I already filed complaints # XXXX and XXXX. I need to find out why another debt collection agency is listed on my credit report with a different amount showing from the amount listed from the first collection agency. My main complaint is how was this XXXX collection agency able to post this debt to my credit report without ever contacting me? I never received any manner of correspondence from this agency regarding the debt. 
As a matter of fact, I just checked my credit report yesterday and saw that I have XXXX agencies trying to collect the same debt but in different amounts. I understand my debt can be sold many times over. Why is this allowed and how did this XXXX agency get involved? I need to have this removed from my report but I am only willing to pay the original amount owed and only if they will give me something in writing stating when I pay the debt in full that this will be removed immediately. Also, I need to know who I am paying, in other words, who actually owns this debt. Which collection agency or other business do I owe? I expect to pay only XXXX amount which is all I owe and without any interest or extra charges. Actually, I think my credit report is showing XXXX collection agencies trying to collect a debt from me. And the XXXX collection agency, which has already responded, was the only one to attempt any communications with me about this debt. I was never contacted by any means from the other XXXX agencies, yet they reported my debt without my knowledge to the credit bureau.
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

Today i noticed my payment went from XXXX to XXXX, no email notice sent, no letter in mail, no web notice, this is crazy, since my payments started on XX/XX/XXXX i was told per notarized loan modification * XX/XX/XXXX pay XXXX * XX/XX/XXXX pay XXXX - FHA modification escrow was wrong is what they stated * XX/XX/XXXX - told pay XXXX XXXX new escrow analysis done on XX/XX/XXXX To begin on XX/XX/XXXX * Today XX/XX/XXXX see on main payment screen my payment due XX/XX/XXXX is showing XXXX, I am so tired of my payment changing every month with no notice, no letter, no heads up, no email, nothing, i understand there can be escrow shortages but how can you not tell your customer ahead of time, just surprise, for the 4th time this year your payment is changing again, how is this good, people have to budget, we count our pennies, we have only one income and you changed our payment again with out notifying us again, Your agent emailed me the escrow document and could not say why they did not notify us when they changed it again, is that even legal? I thought it was standard practice or at least good practice to notify a customer 30 days ahead if escrow /payment changes, not surprise on the 1st with no notice, please investigate who did not tell or notify us of another escrow analysis on XX/XX/XXXX, Thank you, XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX
Consumer complaint received 2018-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

I have sent several requests to this company to prove that this debt is mine. They sent me an itemized bill which is not legal. The name of the creditor is Amsher Collections in XXXX Alabama. They are still reporting on my XXXX  file in the amount of XXXX They were removed from the other two but not removed from XXXX. I have also contacted XXXX in regards to this the last time neing just in XX/XX/XXXX. XXXX  keeps saying that I need to send in updated ID and billl which I have done several times. I have also disputed it online with no action taken. Police reports have been sent to all credit agencies regarding this debt as well for my ID was stolen. I sent correspondence to this creditor on XX/XX/XXXX and did not hear back until the end of XX/XX/XXXX which surpassed the 30 days allotted as well. I have also sent this into the credit agencies along with the tracking numbers for the mailing.
Consumer complaint received 2022-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My checking account with USAA was hacked XX/XX/XXXX two times. One was a direct withdrawal for {$550.00} and the other was a wire transfer for {$470.00}. Both fraudulent charges were sent to XXXX a cryptocurrency platform. I immediately reported the fraud to my bank They are refusing to return the XXXX bc it was a wire. I dont care HOW the hacker stole my money. It was fraud, I also sent multiple emails to XXXX explaining what happened. I had recently set up an account with them and they said there was nothing they could do. They sent {$530.00} of my money to someone elses account!!
Consumer complaint received 2022-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Social Finance, Inc. (CA)

I requested a Credit balance refund check that was never received by mail. First time I requested it was in XXXX. My transaction history shows a refund on XX/XX/22 as 'Credit balance refund {$2000.00} '. However, I never received the check in mail and reach out to customer service. They verified my mailing address is correct. According to my transaction history the first refund was reversed and shows a refund on XX/XX/22 'Credit balance refund {$2000.00} '. However, I never received the check after three weeks passed.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XXXX.2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.