davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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. (CA)

On XX/XX/2022 I 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (OH)

On XX/XX/2022, Paragon Revenue Group sent a letter and an invoice to MY address ( Without my permission ) claiming that I owe them {$120.00}. I don't know who gave them permission to contact me at my home address, I don't know who they are, or how they have the audacity to claim I owe them ANY money. I sent them a debt validation letter on XX/XX/2022 ( see attached letter and certified mail green slip ). On XX/XX/XXXX, they sent me back everything I did not ask for, further proving they have violated my rights as a consumer ( see attached ). I've never done business with this company, I don't owe them money, and they did not provide me with proper debt validation. They did NOT abide by my demands and reported this fraud account to my consumer credit file anyways ( without my written permission ).
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX  XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX  Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a mortgage payment come out for XXXX on XX/XX/XXXX that's I didn't have sufficient funds to cover, and was charged an overdraft fee. Around that same time I was payed but it was less then usual because I couldn't work due to covid. I had many automatic payments come out and were charged over draft and returned fees. I was charged over {$500.00} in those fees. Suntrust will not reverse any of them. We're in the middle of a pandemic and their being ridiculous. I will be getting paid and will have not enough money to cover my bills because all of this will go to cover these over draft fees.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.
Consumer complaint received 2022-01-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Friendly Finance Corporation (MD)

This company has repeatedly called our business line in attempt to collect a debt from one of our employees. I have repeatedly told them that they must call the personal phone number they have on file for the individual. They continue to call multiple times a week and have just today ( XX/XX/22 around XXXX XXXX EST ) asked me to give the employee the message to " call his finance company, we are looking for his car '', after getting in an argument with me because I asked they call his personal number. At this point, this company is harassing our business for a personal debt of one of our employees and it needs to stop.
Consumer complaint received 2016-01-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

A company called cashnet has provided me a credit of {$1000.00} and have been taking over {$200.00} every other week. Specifically : {$240.00} on XXXX/XXXX/XXXX ; {$250.00} on XXXX/XXXX/XXXX ; {$270.00} on XXXX/XXXX/XXXX ' My account # is XXXX. The credit still stands at about {$1000.00}. I should be grateful if the Bureau could investigate and resolve this matter. 
email : XXXXXXXXXXXX
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC (SC)

On XX/XX/2021 I XXXX XXXX the natural person received a letter from Jefferson Capital stating that I owed a debt that I have any knowledge of. Looking at the letter from Jefferson Capital I found several violations of my consumer rights and I am very frustrated that they have even went to the extent of putting this debt on my consumer report. I have never done any business with company and I'm furious that this company has my personal information demanding money from me.
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

MCM midland credit management attempted to take me to court for account # XXXX in the amount of XXXX. I called on or approx XX/XX/XXXX to ask about this account and referred was to a law firm who attempted to collect it back in XXXX and the case was dismissed legally in the court of law. Failing to prove this debt was owed by me or the account. The law firm XXXX XXXX XXXX i was advised that they case was closed. Upon discovery even after legally being dropped/ dismissed and sued without proper notification validation or anything from MCM I attempted to offer 20 % XX/XX/XXXX. As well as today 10 % XXXX XXXX they declined. I advised them before going through the hassle of legal courts and fees I would offer again to close the account and we part ways amicably. I am a victim of identity theft in the past and have a feeling of the family member who may have opened this account. I expressed my concern of unfair debt collection activities and the lack of proper notification and the court ruling supersedes any companies policy and it stated closed/ dismissed. I would like to have this account closed and dismissed and removed immediately from all credit bureau. 

Disputed : equifax # XXXX what I disputed is the same unfair practices with legal court documents case dismissed and closed
Consumer complaint received 2021-05-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Boone & Associates Group LLC (TX)

I received several calls on XXXX to my cell phone from a company called Boone and Associates claiming to be a debt collector for a debt that my husband allegedly owed. After talking to my husband, I realized that the debt was not actually due. However the company continued to call with claims that it would result in " further processing without ( his ) knowledge '' and they would garnish his wages if he did not make payment within two days of the call.

( 1 ) The debt was not his ( 2 ) It is illegal to garnish wages for the kind of debt they mentioned in the state of Texas.
Consumer complaint received 2021-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (ID)

Received letter from XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Stating I owe XXXX XXXX They are providing no information. No specifics. I don't know who XXXX is. 
Letter date XXXX
Consumer complaint received 2018-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (FL)

Basically every year I have to get labs done through my doctor for my XXXX, and I pay the doctor for the labs. but the lab company " XXXX XXXX '' is double dipping the bills. They charge the doctor, the doctor pays, and then they send me a bill for the same labs the doctor payed. Now they got the accounts in collection, and they mess my credit score.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

My Credit report ( s ) are showing a past due unpaid balance on an account that has been paid and satisfied. For several months I have been in communication with XXXX and they promised me they would update my report ( s ) and as of today, XXXX XXXX, 2016, they have not. This situation is compromising my financial position and I want this corrected as soon as possible.
Consumer complaint received 2022-04-12
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: Self Financial Inc. (TX)

I, XXXX XXXX, consumer, natural person, and the original creditor of an open-end credit plan, have late payments reporting to my credit report that isn't supposed to be there from SELF FINANCIAL, INC. d/b/a XXXX XXXX. SELF FINANCIAL , INC. claimed to have submitted a deletion of all late payments to the credit reporting agencies, but the late payments are still reporting to my credit report. In their response to CFPB complaint case number XXXX, SELF FINANCIAL , INC. stated that their " reporting was investigated and determined to be accurate. '' I have reason to believe that this is false and misleading information. SELF FINANCIAL , INC. also stated that " the Self Secured Credit Card was reported late as of 30 days past due for XX/XX/XXXX and XX/XX/XXXX and 60 days past due for XX/XX/XXXX. '' These are false and misleading statements that are referred to as billing errors. I was in fact not late nor past due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. SELF FINANCIAL , INC. also stated that they've " sent emails advising me that if my account went 30+ days past due that it would be reported to the credit agencies as a late payment. '' I've never received such emails. The statement '' if your account went 30+ days past due it would be reported to the credit reporting agencies as a late payment '' is abusive, obscene, and threatening language to me and is a violation of Credit Practices 110.220 ( d ), ( g ). I am aware that not excluding transactions from my consumer report between me, the consumer, and the creditor is a violation of 15 USC 1681a ( 2 ) ( A ) ( i ). I am also aware that pursuant to 15 U.S. Code 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. SELF FINANCIAL , INC. has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. It is my belief that SELF FINANCIAL, INC. has been using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation. As defined in Title 18 U.S. Code 1961, knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividends were an invoice for services provided by SELF FINANCIAL , INC., which is embezzlement, theft by deception and extortion. Extortion, dealing in an obscene manner, and theft by deception all constitute XXXX XXXX. If found guilty, XXXX XXXX carries a criminal penalty of 20 years to life in prison.
Consumer complaint received 2017-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. ()

This is about COINBASE.COM. 

They are holding everyone money if you send out, they have no way to contact them except you write them a ticket, and when you do that they do not respond to your ticket. 

Thousands of people have their funds with them, and I know it will be up to {>= $1,000,000} which they have with them. When you request to send money to another XXXX customer or for service payment, They do not process them and they do not say a reason why. 

Please, we need this fixed ASAP. 

Thank You
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (IN)

From PNC Bank, on XX/XX/XXXX, there were numerous unauthorized wire transfers in which PNC ignored their own security alerts. PNC was alerted that these transfers were unauthorized transfers before PNC transferred the money out of my account : 1. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 2. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 3. XX/XX/XXXX Unauthorized transfer of {$990.00} + {$25.00} wire transfer fee 4. XX/XX/XXXX Unauthorized transfer of {$1000.00} + {$25.00} wire transfer fee 5. XX/XX/XXXX Unauthorized transfer of {$1500.00} + {$25.00} wire transfer fee My daughter is a witness to these unauthorized transfers. She, my daughter, is the user of this custodial account I set up for her financial protection. PNC will not return my calls of concern and told my daughter that I am responsible for the wire transfers. I have called PNC three times, spoke with the manager, and called their security-line 3 times. I have been hung up on, told how sorry they are ( but told there's 'nothing ' they can do ), and even denied 'where " the money transfers were sent ( they said they don't have documented proof to show me ). 
All of my banking access is secured with a 3rd system cell phone code, so my accounts could NOT have been logged onto to make the Money Transfers. My daughter has been given PNC account alerts to any unauthorized activity AND does respond " yes '' or " no '' to any activity ; however, there was NO alerts given on these Money Transfers of XX/XX/XXXX. 

Can someone help me?
Consumer complaint received 2021-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kansas Counselors, Inc. (KS)

XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX  to validate the collection account on my report in the amount of # XXXX and # XXXX XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX again validate the collection amount on my report for the amount of {$280.00} and {$910.00} XX/XX/2021 - sent dispute letters to XXXX XXXX XXXX XXXX  as XXXX as KS Counselors to try and validate the debt/settle the debt because I have still not heard anything from either credit bureaus and ks counselors for the amount of {$280.00} and # XXXX
Consumer complaint received 2024-03-10
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: EQUIFAX, INC. (GA)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

My information was sold and bought illegally because I am a victim of Equifax data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative inquiries on my XXXX report that have been removed from or were never listed on my other credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates : 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 do not contact these companies for the following dates that have been listed. I am attaching the proof of data being breached through black web and data breach from Equifax. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Consumer complaint received 2017-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION (TX)

I spoke to 5 different representatives in regards to my acct and could not get any help to what others had told me. 
They reported me as a late payment when I had made the payment arrangement to avoid this because I 'm working on my credit and when addressing the company speaking with a representative stated that it would not be reported. In checking on my credit report that was false. Calling the business, I talked with more representatives still getting wrong information. Saying they do n't know what I was told, but that was not true!!! I do n't think they are being trained the right information I think I was ok to find out I was lied to I asked to speak with a supervisor, and he apologizes as well I asked him to give me a statement for the month of XX/XX/XXXX paid because they are a month behind and they only gave me the runaround. I been with this company since 2013 and expected more professionalism. 
I received only a payment transcript which is not even readable with not knowing what all codes are. And I received this after 6 phone calls and got different answers saying it would take 10 mins, 20mins, 48 hours or I could go online and see it, but that is not even a current update information.
Consumer complaint received 2022-09-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have tried many times over to get XXXX XXXX XXXX to correct the various flaws or errors on our accounts credit reporting. And have had " Personal Statements '' attached, but on our Transunion account reporting, the personal statement is distorted and not easily readable. It contains special characters and merged with the fraud alert. 

The means that the personal statement is posted voids its intent, because it can not be understood from its content. 

XXXX XXXX XXXX DOES NOT CORRECT ERRORS. So the personal statement is our only hope to get around obvious practices. 

The statement could help in clearing up the fact that the errors are intentional
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

i contacted theses credit reporting agencies multiple times to inform them of the multiple inaccuracies and illegal reporting and furnishings of the information i was presenting but have not received satisfactory response or legal documentation i requested. instead they continue to deny my right to dispute inaccurate misleading and illegal information that has already caused actual damages by sending a response of verified or we do not believe this is you when asking for the description of the procedures used to verify the response is noncompliant and unsatisfactory to the fcra the cfpb the ftc and even their own cdia compliance standards