davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (NC)

This issue has been going on for months and I have followed all of the things you wanted me to do. just read the letter to make sure I'm not just typing my concern here and you will just ignored my concern again
Consumer complaint received 2022-04-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2019-07-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (NY)

I Spoke with american express, they wrote off my debt and told me the account was closed, 2 years later im getting 2-3 phone calls a day saying the account is in collections and that i owe them the money, I cant get anyone on the phone to speak to after i request i speak to a manager and when i try to explain what happened they hang up on me.
Consumer complaint received 2022-01-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On Thursday XX/XX/ 2022, Golden 1 Credit Union seized my checking account funds the day I received my payroll check. The used these funds to pay on my delinquent credit card issued by their institution. They seized {$2300.00} and have yet to contact me back about my dispute of this or my requests for a claim of exception or hardship. I placed a call to them XXXX Friday XXXX 2022 and was advised that a manager would call me back the following Saturday XX/XX/ 2022. I did not receive a call as I follow up and was told they did not have a Manager available due to staffing issues to contact me. I went into a local bank that same day to speak with a Branch Manager, that simply made a call to the same department I contacted and was reiterated the same, that no one was able to assist me. The Branch Manager confirmed with the representative that there was a request to contact me about the issue and that I should receive call no later than Tuesday XX/XX/ 2022. The representative also stated to the Branch Manager, that it "... probably wont help speaking to them as the funds will most likely not be returned. '' As far as collection tactics I had not received any written delinquency notices via mail or email to collect the debt. I was informed on XX/XX/ 2022 by the representative that they do NOT send any written correspondences to collect, but rather will attempt 1 phone call to collect and if no contact is made by the consumer, they will seized all account funds. I advised the representative that this was not fair and due to my financial hardship my phone has been disconnected a few times and the message was not received. She did not indicate any other correspondence that would have been sent prior to the seizure and only stated that it is within the terms of the agreement that this could take place. However within the agreement it does not indicate the collection tactics that are to be used. The representative stated they limit the communication so that the consumer does not close the bank account. 

Considering the climate of the financial instability, of which I had been impacted with a loss of Child Support income, and the inability to sustain my payments, I feel that this practice was unfair and inhumane. They offered not solutions or have made contact to assist me. I have XXXX  children and my income for employment is for our livelihood and they ceased all of my funds. The collection tactics are unfair.
Consumer complaint received 2021-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bliksum, LLC (CA)

I had a loan of {$3000.00}, from the company name Loan Me XXXX XXXX. XXXX XXXX XXXX, CA XXXX was discharged on or about XX/XX/XXXX on my Bankruptcy XXXX XXXX case. 

On or about XX/XX/XXXX, Loan Me company opened up new loan in the amount of {$3000.00}, for my wife and myself. 
This above mentioned loan were never open and applied in my name and my wife. 
On or about XX/XX/XXXX, Loan Me company billing statement stating that we owed a past due in the amount of {$15000.00}. 
On or about XX/XX/XXXX, Loan Me company stated that we owed them a payoff in the amount of {$16000.00}. 

The above loan amount must never be in our name and must never be subjected for collection.
Consumer complaint received 2022-04-11
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. (CA)

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 given reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-01-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Thaxton Investment Corporation (TN)

I've been harassed about an account that isn't mine. My father, who I'm not in contact with, listed my phone number with a personal finance company loan of some kind. I have told said company to stop calling me and to put me on their do not contact list. On XX/XX/XXXX they called me to ask about my father. I told them then to stop calling me. On XX/XX/XXXX they called me again. I told them to stop calling me. I received yet another call today from them asking about my father XX/XX/XXXX.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WI)

I was given a {$20.00} prepaid XXXX gift card for my daughter as a gift from her aunt. The company that sold the card was Vanilla Gift. The company claimed that the gift card was never activated and that they couldn't activate the card without a receipt, which of course I don't have because I didn't buy the card. When I asked if there was another way to activate the card, they said that they could maybe look into it if I provided extensive personal information, including a copy of the my driver 's license front and back and Social Security Number. For a {$20.00} gift card and a possible resolution, they wanted me to provide enough info to steal my identity. 

Vanilla Gift just took my sister 's money and made the gift card they sold extremely hard to use. They then wanted me to divulge extensive personal information that would allow someone to steal my identity to even look into the issue, with no promise of a resolution if I even moved forward with that path. I did not want to put my identity at risk for {$20.00}, which I suspect would be the case with many consumers. 

The process of making these gift cards so difficult to use is a predatory practice that should be investigated and remedied by the CFPB.
Consumer complaint received 2021-08-29
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. (NV)

Fraud inquiries on Transunion : XXXX XXXX XXXX on XX/XX/2021 XXXX  XXXX  on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX  XXXX on XX/XX/2021
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

Sir/Madam : While on vacation in XXXX XXXX, XXXX last XXXX XXXX, 2017, I checked in to XXXX XXXX for XXXX XXXX. After 3 days I was discharged, but to my shocked I was billed for {$62000.00} on my Chase Bank visa credit card. Chase Bank agreed to pay this amount. Chase Bank refused to listen to my appeal. My visa credit limit is for only {$15000.00} and Chase Bank went way way beyond the credit limit. <P/>The XXXX XXXX XXXX in XXXX is only for {$21000.00} and this hospital charged my credit card {$62000.00}, three times of what they would charge for an XXXX XXXX XXXX. I was treated not for XXXX XXXX XXXX, but for a simple XXXX XXXX. It would cost a couple of thousand dollars to give an XXXX XXXX. No question I was victimized like other American tourists that needed some medical treatment. <P/>My wife and I are both retirees and dependent on our SS pension for our daily existence. There is no way we can pay this humongous and unjust charges. It took us several years to save for our vacation to XXXX. The monthly interest plus principal payment on this huge amount would be around $ XXXX-XXXX monthly. This is way beyond our budget. We ca n't survived with this added amount to our budget. Please help to make Chase Bank to rectify this unjust charges. Before checking in to this hospital, I have a credit card balance of XXXX which leave me {$8000.00} I can spend. I 'm willing to pay the whole {$8000.00} to this hospital just so we can go with our life. <P/>We badly need your help. Chase Bank is a multi XXXX company and should be considerate to tightly budgeted customers like us. <P/>Sincerely, XXXX. XXXX
Consumer complaint received 2023-03-08
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. (NC)

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

Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/AIDV Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX  Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-26
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. (TX)

I am a consumer, beneficiary and trustee ; no third party or agency is writing for me or has influenced me. I XXXX XXXX XXXX am a natural person. Please see attached documents and ID as it contains my full complaint and request.
Consumer complaint received 2020-02-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (GA)

I renewed my CD with ALLY BANK on XX/XX/XXXX for one year. I called this bank on XX/XX/XXXX to find out what is balance of my CD. I spoke to MS.XXXX, She told me that balance is same as it was on XX/XX/XXXX. I asked there was no interest added to this account. The maturity date of this CD was XX/XX/XXXX. She was very stub-en & rude in behavior. I was surprised that it was fraud, Bank kept my money & paid no interest into this account. She told me that no manager was available to speak to me regarding this problem. This bank had very bad customer service. I am quite upset with bank.
Consumer complaint received 2024-03-09
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. (IL)

EQUIFAX HAS FAILED TO PROCESS A DISPUTED VIA US MAIL AS REQUESTED. I WANT THE 8 FRAUDULENT INQUIRIES REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2022-01-26
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. (FL)

The following late payment remarks have been placed onto my credit report without my verbal or written consent to do so which is a direct violation of my rights under the FCRA and section 15 USC 1681B. Due to these facts given the following late payment remarks must be removed : XXXX XXXX XXXX for the months of XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

I tried to transfer XXXX $ XXXX from my XXXX wallet to my XXXX wallet. In order to send $ XXXX, you must enter a valid $ XXXX crypto address and a valid $ XXXX Memo ID. Unless you successfully enter both of these numbers, and XXXX validates both of them, then XXXX will not allow the transaction to go through. As in, the Withdrawal Button will not turn blue and allow you to click on it until you first enter both of these numbers and receive messages in green stating the numbers are valid. 

However, the transaction was somehow processed with a missing memo, thereby never made it to my XXXX wallet. I spoke with XXXX multiple times, & they advised me there's nothing they could do on their end, at least not for 30 days. I have tried contacting XXXX for over 2 weeks now and have not received a single response!!! 

This transaction is worth over {$2000.00} and is too much for me to lose access to. I can not believe XXXX won't even return a single message when they are supposed to be a trusted, publicly traded company!
Consumer complaint received 2021-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-09-27
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. (AL)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (OR)

Approximately XX/XX/XXXX - XX/XX/XXXX, I had left XXXX as a customer. I had contacted them and on a recorded line, their people agreed to a payment plan where I would pay $ XXXX- {$80.00} a month on the amount of my cancellation fee and the remainder owed. I proceeded to make the first payment that was agreed upon of {$50.00}. <P/>The following month, I went to make another payment of the agreed upon amount, I checked my mail and found they had sent me to collections via Diversified Consultants, for the amount of {$230.00}. Upon contacting XXXX to ask about what had occurred to nullify the agreement that was made ( and after being hung up on multiple times ), they had said that I would not have been sent to collections if I had paying what was owed ( even though I was told we had an agreement to a payment plan. ) Upon calling Diversified Consultants to try to remedy the debt, I offered 65 % the sum of that was owed. They refused to accept it. Upon asking if they were refusing to accept any payment on a recorded line, they said yes. <P/>XXXX then continued to send notices of the debt via other collection agencies and contacting my family to where I had to tell them to cease and desist contact to my family. I disputed the validity of all the notices of the debt when I received them, As well I was still receiving email statements from XXXX asking me to pay that amount to them. <P/>In XX/XX/XXXX, I had received another collections notice. Upon dispute of the collections notice, I received correspondence from XXXX about disputing the debt that was owed. Upon filling out and sending the information they requested via mail, I received no further notices about the debt. <P/>Approximately XX/XX/XXXX, I went to review my credit information, and found that Diversified Consultants had reported on the XXXX XXXX XXXX XXXX, the sum of {$230.00} as being delinquent. <P/>Written proof available upon request. Due to account numbers on statements.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NY)

We have been waiting over 5 months for PHH Mortgage XXXX Ocwen Loan Servicing XXXX, to provide to our County Clerk a " Satisfaction of Mortgage '' that should have been filed by Litton Loan Company ( Bought by Ocwen ) when we re-financed in XXXX. That was 16 years ago and now we can not sell our house. Litton never filed the satisfaction in XXXX and now PHH/Owen/XXXX are saying they need to file an " Assignment of Mortgage '', that was more than a month ago. I have had numerous emails and phone call starting XX/XX/XXXX, and to date they will not tell us who a " Third Party '' is and they will not tell us what they need from this third party. Every XXXX weeks they call to say the same thing, but no new information. The Escalation Department at PHH will not speak directly to customers, we can only go through a supervisor who says he was told only to email them every 2 weeks, if they have an update they will tell the supervisor. Our hands are tied with the County Clerk, only the mortgage company can file the Satisfaction of Mortgage and PHH has taken 22 weeks and has done NOTHING!
Consumer complaint received 2021-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (LA)

On XX/XX/XXXX, a collections letter was received from Viking Client Services alleging an owed debt in the amount of {$5200.00}. Letter was dated XX/XX/XXXX, VCS Acct # XXXX, creditor listed as XXXXXXXX XXXX with acct ending in XXXX and a last payment date of XX/XX/XXXX, and sent to an older address of XXXX XXXX XXXX. 

There are a few issues with this allegation : 1 - This debt is not recognized, as I have never held an account of any type with XXXX. 

2 - I have not lived at the listed address on their claim for over 8 years, let alone opened any loans in their alleged timeframe. 

I am uncertain as to where this alleged debt came from, I am only certain that I have not opened any such accounts with that creditor.