davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NY)

On XXXX XXXX, 2019 I went in to speak with the property manager at the club at XXXX XXXX to advise them that I had taken a job out of state and that I would not be renewing the lease and wanted to know what needed to happen for move out. I was advised that if I were able to leave by XXXX XXXX, 2019 they had someone who wanted the apartment and I would not incur any additional costs. I began the process of move out and was out of the apartment by the agreed upon date. I attempted to contact the property manager to get the keys to her and she stated that she was showing apartments and I should bring her the keys the following day which I did. The property manager asked for an address at my new residence so she could send me the final bill for water and trash removal and I was verbally advised that this amount would be the only thing that I owed ; however, I ended up with a collection account for rent that was not owed per the verbal guidance of the property manager. I never received a bill. I have sent all of my supporting documents for the move out to the property in an attempt to resolve this concern ; however, they will not communicate with me. On XXXX XXXX, I went to my XXXX XXXX and attempted to apply for an auto loan at which time I was turned down for credit.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

On XX/XX/2021, CitiCard told me that my credit limit would decrease XXXX  XXXX dollars effective that same day. This is against the law that they need to give 45 days notice of a major change. I now have late fees for my utilities and it affected my credit score to have a large decrease. I had paid my bill ontime each month with the exception of a bill due XX/XX/2021. I had been out of town and could not log into my account and did not have the credit card. This is hardly a reason to all of a sudden drop the credit limit without warning. I am unable to log in online at all currently even though I just paid the past due balance plus some. It was not even a week late. I had to request a new card so I am unable to log in at all to get the messages from their secure message center.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Southern Management Systems Inc. (MS)

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Fair Debt Collection Report Act 15 U.S.C 1692c ( c )
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torres Credit Services, Inc. (IL)

This company continues to attempt to collect two debts from me. one for {$1100.00} and the other for XXXX. Supposedly they are two accounts from XXXX XXXX that show the same dates of service. First, how is that even possible? Second, those are not my accounts. They took it off my report once and they now have come back again.
Consumer complaint received 2021-08-24
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: CL Holdings LLC (NC)

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX  XXXX  has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : $ XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-11-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I exchanged XXXX  for XXXX  on Coinbase and then transferred my entire XXXX  balance. Coinbase showed my XXXX balance dropping to XXXX, as expected, but the transfer was never received by the destination wallet. 

Oddly enough, Coinbase still shows the $ value of my assets as if it includes the XXXX  balance, but the XXXX  balance is at XXXX. 

As usual, it is impossible to contact Coinbase. I've tried via email, XXXX and phone. 

It is also impossible to view a transaction history on their platform, which I can only assume breaks some financial reporting laws. 

As of this point in time, there is over {$30000.00} missing from my account with no way to recover it or discuss with Coinbase. 

In the attached screenshot, you can see that my total account value is almost double the sum of my holdings, due to the missing XXXX  holdings.
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (MA)

I tried to login to my TD Bank online account and it's still blocked. They require for me to go to the branch with covid-19 pandemic to witch I refused. I can do a video call and they said no. I don't want to meet with anyone since I have insufficient immune system and contact during pandemic is not good. I would like for them to unblock my online account and send me a new card or send me my funds via check and they are not helping me, it is very frustrating in this hard times for me and my family since we need food. Please help.
Consumer complaint received 2021-11-18
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. (CA)

The electronic file provided by XXXX XXXX XXXX as validation of debt for account # XXXX has a balance at the time of sale of {$2.00}, XXXX is erroneous because it includes a {$38.00} late fee overcharged. Because the balance at the time of sale is incorrect it automatically INVALIDATES the electronic file mention above. With this been said XXXX XXXX XXXX is in violation of section 809 ( b ) of the FDCPA because they had failed to provide proper validation of debt. Equifax must remove this invalidated account immediately to avoid litigation. Attach to this dispute I am providing you with 1 ) copy of ID 2 ) copy of Social Security Card 3 ) The electronic file provided by PRA as proof of validation which is erroneous read above 4 ) Copy of Last Statement which shows the right amount of {$2600.00}
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (CA)

Purchased pre-paid American Express gift card on XXXX at XXXX. Went to website and the card says is not activated, went to XXXX and was told that there is nothing they can do once the card is activated by them, contacted card company on XXXX to resolve the issue. Was told that it will be resolved in 3 business days, after the full 3 business days, I received no communications. I contacted the company again and was to told to wait another 2 business days. 
As of today, XXXX, I have not received any communication as to the status of the card. 
Both XXXX and the card company refuses to provide any resolution.
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (LA)

The Company SECURITY CREDIT SERVICES posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with SECURITY CREDIT SERVICES they have purchased a debt without me being involved in the transaction. How did you get my information? This is a duplicate account pursuant to 15 USC 3002 I am a natural person. 
You are a Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor  Office to administrate for the me XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and SECURITY CREDIT SERVICES is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I XXXX XXXX  private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction. 

I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
Consumer complaint received 2021-08-24
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. (MO)

I've reached out to all three credit bureaus ( transunion, XXXX, and XXXX. ) Regarding errors on my credit report as well as inquires on my credit report. I've sent letters out on XXXX XXXX 2021 as well as months prior. I've yet to receive any correspondence from either bureau Regarding this matter. I need all items removed from my credit report and made whole again.
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NC)

I am filing a claim because I Placed an order with my XXXX XXXX that is issued by TD Bank. I placed a XXXX Order # XXXX, and the package was lost with XXXX, and then the box was delivered with obvious signs that my box was tampered with. XXXX is refusing to give me a refund on the order because they packaged the XXXX watch  properly. They may have packaged the item correctly, however, my watch was stolen, and what was delivered to my home was a box of paper clips. For the past three weeks, I have asked XXXX to provide me with a waiver for XXXX  or process a claim with them, and they have refused to do so. XXXX has stated that the proper protocol is for them to reimburse me, and then file a claim with them so that they are able to get their money back through XXXX. Or they are able to provide me with a waiver so that I can deal with XXXX  directly. XXXX has stated that I am not their customer. They have a contract with XXXX, and I did not pay for shipping so everything is relying on XXXX to contact them and they have refused. In the meantime, I am a customer that does not have an item that I paid for. I am not offered any protection through my XXXX  Card, and I reached out to TD Bank because they appear on my credit report. I have contacted XXXX  Several times to provide a waiver, but the bottom line my credit card should have some type of protection, and since TD Bank has issued the credit card they should be able to look into it. I called them and they refused to talk to me saying they do not service XXXX Credit Cards anymore, however they are responsible because I got the card through TD Bank, and they are still reporting on my credit report.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.
Consumer complaint received 2021-08-24
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. (LA)

I've sent a letter last XXXX it almost 30 days now and no response yet. The following accounts were used without my permission this issued hinders my life and causes me stress. I got a low credit score!. I am a victim of Identity Theft. I need help to resolve this Issued. I demand to delete immediately the following accounts!.
Consumer complaint received 2022-03-25
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. (NY)

There were a couple of incorrect items on all three bureaus. I sent a dispute letter to all three bureaus ( Experian, XXXX, and XXXX ) on XX/XX/2022. I then sent another letter on XX/XX/2022, letting all three bureaus know that they have 30 days to comply. The 30 days have passed and I have yet to receive any response.
Consumer complaint received 2021-08-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (WI)

I began the refinancing process with my current mortgage lender, Mr. Cooper/Nationstar Mortgage back in XXXX of 2021. I have documents uploaded at their request dating as close as XX/XX/2021. I was finally scheduled to close on Wednesday, XX/XX/2021. The notary called and cancelled, citing that he had tried to reach the mortgage company to no avail. I also tried to reach the company, with no response. The loan processor, XXXX XXXX, called the next day, ( XX/XX/XXXX ), to reschedule. I was scheduled to close again on Monday, XX/XX/XXXX. The notary arrived in a timely matter, and we began the paperwork. Mr. Cooper sent 4 plus copies of every single document ; the packet was messy and difficult to navigate. It was also discovered during this time that the documents were still labeled for closing on XX/XX/XXXX. I was instructed to sign the documents and also include the closing check. Mr. Cooper cashed my closing check before reaching out and informing me that we would have to resign the documents as they sent out documents with the wrong date. I was then scheduled to close for a third time on Tuesday, XX/XX/2021 at XXXX. I emailed my loan Processor, XXXX XXXX on Monday, XX/XX/XXXX, at XXXX to confirm that I was still closing at this date and time. I received no response. I waited at my residence for an hour for the notary to appear. No notary appeared. I called customer service at Mr. Cooper at XXXX CT to inquire about the notary. XXXX, a Mr. Cooper representative, stated he would call XXXX XXXX and call me back if he didn't reach him. I received no phone call back. I called XXXX XXXX at XXXX and received his voicemail. I still have not received any correspondence from the company and it is XXXX. I am upset and frustrated that they have cashed my check and taken my money but have not " closed '' on my loan. I have wasted several hours of my time, taken off of work to deal with this and Mr. Cooper has done nothing to make things right.
Consumer complaint received 2018-07-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NY)

Debt Collection company MRS BPO , LLC is trying to collect on a debt I believe XXXX XXXX XXXX has not proved to be mine. I got a call from them and said it was not my information. I sent them a validation of debt letter and got a response with no social security number or birth date on the loan documents. I do not believe they have done anything wrong or harassing of me but I needed the debt to be proved it was me and they could not do that. This has nothing to do with me. They also provided me with a signature that says XXXX as my first name in docusign which could of been done anywhere and isn't even my first name as you can see in documents that are attached. It is not even my name and I always use my middle initial especially on loan documents. Unfortunately they are tasked with collecting this debt that XXXX XXXX XXXX refused to properly prove. I am uploading docs to show what MRS had sent me as prove which does nothing as I said no social security number is listed or birth date and the name is not even correct.