davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

Td bank needs to send info faster. I have been waiting for them to report my recent transactions to XXXX XXXX ( mobile app, payday advances ) so I can cash out since XX/XX/XXXX. I  am not able to cash out without the bank properly reporting my recent transactions in a timely matter.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote to the bureaus and the student loan places to have them correct the information on my report. I wrote to them in XX/XX/2018 regarding the late payments on the US DEPT OF ED/XXXX/XXXX  with acc # s XXXX, XXXX, XXXX & XXXX. These accounts have been reported on my account multiple times. I reached out to them but I never received a response from them. I tried making a goodwill adjustment as I had fallen on hard times and was not able to make my regular payments.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

I have tried to place a security freeze on my minor children 's accounts as allowed by the Fair Credit Reporting Act. I sent Equifax their required minor freeze form for this and all the necessary information including SS cards, birth certificates, my driver 's license, etc and did not create and freeze my children 's account as they are required. After numerous time consuming phone calls, have not made any progress since I am unable to stay on the phone for hours on end and there is no mechanism to reference the call and restart where we " left off. ''
Consumer complaint received 2018-10-23
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. (FL)

I am filing a complaint with Equifax for refusing to comply with the FCRA 605b. I followed FTC 's process and got police report, turned in 2 forms of ID and a letter requesting that I have accounts that were tied to ID theft. I waited 3 hours to speak with a supervisor and was told that these my remaining accounts would not be removed. In accordance with FCRA 605B these items are supposed to be suppressed ( removed ) from my credit report as long as I have submitted required info with 4 days. The supervisor, who would not give his name, told me " anyone can get a report and claim id theft, we are not blocking your info ''. I asked him about being notified within 5 days that they are/are not blocking the info by letter, I was also told, they will not disclose any info pertaining to my account or as to their company policies.

I am demanding to have these fraudulent items BLOCKED FROM REPORTING, I followed procedures and am being denied my rights according to the law ( FCRA 605b ). Equifax, is preventing consumers like myself from remedying the disaster that ID theft has caused us financially and credit wise. If this is not settled, I will be pursuing litigation to recoup the damages they have continually cause to my credit health and reputation. This is ILLEGAL and should not be accepted.
Consumer complaint received 2023-03-20
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-03-11
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. (TX)

I have been disputing since ( XX/XX/19 ) till Now. Every time i disute these account and ask for validation i never get the correct response or proof. 
( XXXX XXXX ) XXXX I have submitted XXXX to XXXX nothing has taking place. 
( XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX Also submitted proof and fix the inaccurate that my report has. 
( XXXX XXXX XXXX ) also disputing inaccurate in Uniform alignments. 
( XXXXXXXX XXXX XXXX XXXX ) Wrong Dates ( XXXX ) Also disputed and nothing happen only updated accounts with no proof. 
( XXXX XXXX XXXX ) Account Charged Off and reporting balances wrong dates ( XXXX XXXX XXXX  ) Account Charged Off also reporting wrong dates, balances and payment history. 

All Three Credit Bureaus update account but dont show proof of account and reporting in accurate on credit report.
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Receivables Fund Incorporated (MA)

Please see case XXXX feedback Status Feedback provided on XX/XX/2019 Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS I need your help.. I contacted XXXX XXXX XXXX and they told me that they cant give me any information. but now I got a letter that they issued me a triple seal judgement. please can you help me resolve this case. thanks in advance Sincerely XXXX XXXX XXXX. 

Thanks in advance
Consumer complaint received 2018-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (PA)

borrowed {$1000.00} payments to be {$330.00} per month for 12 months at 497.27 % interest. loan was made on XX/XX/XXXX. Total payment for {$1000.00} loan will be {$4100.00}. I think this would be excessive in the state of Pennsylvania. Money being taken through direct debit until XX/XX/XXXX. Bank account closed at advise of bank to prevent further withdrawing from account.
Consumer complaint received 2017-06-20
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. (GA)

Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681.  In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.
Consumer complaint received 2018-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC (PA)

Received a call today from GB Collects, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ph XXXX XXXX XXXX. They told me my husband owed a medical bill from XXXX XXXX from XX/XX/2017. I told them this was not possible as we had no XXXX  XXXX in XX/XX/2017. He continued to insinuate I owed money and was probably in trouble. I asked for the social security number the medical bill was for, he did not have that info. I told him he was mistaken and I felt he was a scam. He tried calling once more, I did not answer. 

I saw one other complaint on this company for repeated calling to seniors about debt no owed.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent TransUnion, XXXX and XXXX letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

XX/XX/XXXX at XXXX am I had regular day to get ready for work. When I wake up I see my phone to check the weather but that day it was very shocking I saw a message telling me my Coinbase account has been breached. After that I tried to login Coinbase I couldnt login then I tried to change password I couldnt. Then I saw almost 200 emails which is telling me I transferred this amount of Bitcoins at this wallet address like this Congratulations! You have successfully sent XXXX XXXX to XXXX. You can view transaction details in your Coinbase XXXX account. To facilitate this transaction, you paid XXXX XXXX in network fees. After that I find out my XXXX phone is out of service. So I had to change my sim call XXXX and they help me to restore my line. I complained to my local police and they give me a case number then I also reported to the fbi. Now I have headache mourn for my money my wife is crying day and night. Our hardworking money go all on a second. Now Coinbase they cant help me to restore my Coinbase account I called them 10/15 times. They just send me an its my responsibility to protect my password. But police want to what IP address the guy login and all the transactions in my account but Coinbase cant help me.
Consumer complaint received 2019-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Since just prior to Mr. Cooper taking over the mortgage from Seterus we have been attempting to recover {$1900.00} from Seterus, and now Mr. Cooper. 

XX/XX/XXXX, Seterus claims they paid {$1900.00} to XXXX XXXX XXXX premium for the year XX/XX/XXXX. However, simultaneously, we acquired a new homeowners insurance company, XXXX, which we paid for the year out of our pocket, ending in XX/XX/XXXX. 

What I am looking for is a solution to this near year-old problem : When do I get my escrow refund of {$1900.00} with interest? 

To add pain and discomfort to this matter, we have had several telephone calls with Mr. Cooper reps and all claim to work this to the end. However, we have never been responded to, ever.
Consumer complaint received 2022-03-11
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. (LA)

Ive filed a dispute in regards to XXXX XXXX XXXX Account Number : XXXX It has been well over thirty days and I havent received any investigation results.
Consumer complaint received 2017-06-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Acceptance Solutions Group, INC (OH)

I called to arrange a payment for the XXXX of the month. I was not late and even paid extra. The loan was taken out immediately overdrawing my account. When I called the company said the payment was taken by mistake and a refund was in order. First they claimed there was a problem with their refund department. Then they said it would take 48-72 hours for the money be refunded despite my band verifing they had covered the amount. I now have a overdrawn checking account, overdraft fees adding up and no refund. Customer Service 0. Run from this company.
Consumer complaint received 2018-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (VA)

I received a letter from LJ Ross on or around XX/XX/2018 attempting to collect a debt from XXXX. I mailed out a letter requesting LJ Ross to provide me with the contractual agreement between LJ Ross and myself on XX/XX/2018. I requested that they send me that contractual agreement within ten ( 10 ) days of receipt. They received the letter on XX/XX/2018 and as of XX/XX/2018 I still have yet to receive the contractual agreement between LJ Ross and myself.
Consumer complaint received 2018-10-23
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. (TN)

I am a victim of Identity theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, XXXX  and Experian are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please Contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
Consumer complaint received 2018-10-23
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. (TN)

I am a victim of Identity theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Equifax and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please Contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
Consumer complaint received 2018-10-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have some Credit cards that have not shown up on my credit as being paid on. When I contacted the companies, i.e., XXXX XXXX, I asked them why is it that you reported to XXXX  I made my payment if XXXX but not the other two. The contract that binds between the credit card company and the credit card holder specifically states the credit card company will report to all three credit bureaus. This is not the only company I am having problems with. It is directly affecting my credit score. When I asked XXXX XXXX to show me and ask for proof that they did report to all three credit companies they refused to provide me with any proof.
Consumer complaint received 2019-01-10
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 opened up two loans on XX/XX/XXXX for a total amount of {$2800.00} from the XXXX  XXXX XXXX/ XXXX. I only attended one semester at XXXX University so no further loans were opened after XX/XX/XXXX. The XXXX XXXX XXXX never reached out to me nor my parents one time ... even though, they had all our information. One day I was curious and decided to randomly check my credit score and saw it was knocked down 155 points. I immediately called the XXXX XXXX XXXX to find out what had happened. It's XXXX and they never thought of reaching out via phone or email. Instead, they were only sending physical mail and on top of all that they had the wrong address. My intentions aren't to bash the XXXX  XXXX XXXX/ XXXX , I just believe it's not fair for them to send a 90-120 day past due notice to collections when I never received one phone call or email that this was occurring. I'm a young kid who prides himself on doing things right and especially with something like my credit score. I really hope you guys could resolve  this problem for me ... it would be greatly appreciated. Thank You
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: The Best Credit Group (LA)

I paid XXXX XXXX $ XXXXat The Best Credit Group in XXXX of 2016 for credit repair services. He did nothing but sent me 1 credit report and I paid him {$200.00} for my husband and recommended friends to him. He took my money and just emails me and refuses to refund my money. I asked him several times what steps have you taken. NO RESPONSE. HE IS FRAUD!!!!!!!!!!!
Consumer complaint received 2022-07-11
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2023-03-19
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found multiple entries that are inaccurate and not reflective of my credit history. Please see the following items that require your immediate attention : XXXX XXXX Account XXXX : XXXX I have no recollection of ever having an account with XXXX XXXX XXXX As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX Account Number : XXXX I have no recollection of ever having an account with XXXX. As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

I would appreciate if you could investigate these items and take the necessary steps to remove them from my credit report as soon as possible. I trust that you will handle this matter promptly and professionally. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IA)

As of XX/XX/2011 I have been paying Midland Funding L.L.C. Through the law firm of XXXX, XXXX XXXX XXXX XXXX. {$50.00} a month for a debt that is not mine. I hired the firm of XXXX XXXX to represent me in this case. I was told after the initial hearing that it would cost more to fight this then it would be to pay the debt. I am still paying this debt even though I have never worked with Midland Funding. It has come to my attention that The Consumer Financial Protection Agency has charged Midland Funding with violations of the Fair Debt Collection Practices Act and am wondering if this is a legitimate debt that I need to continue paying.