davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CA)

Debt was paid, however the collection agency reported otherwise. Collection agency is Caine and Weiner. {$12000.00} was paid to XXXX XXXX XXXX in XXXX Az, the creditor, on XX/XX/2022.
Consumer complaint received 2022-05-06
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. (IN)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2023-03-15
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. (MD)

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name 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 15 U.S.C 1681 section 602 A. States I have 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 crime which antedates the report by more than sever 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 information is inaccurate.
Consumer complaint received 2022-05-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (WA)

I have reason to believe the following mortgage agents are engaged in RESPA violations with realtor XXXX XXXX XXXX XXXX, Washington. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Washington ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington ( XXXX ) XXXX XXXX XXXX Washington XXXX XXXX XXXX Washington XXXX XXXX ) XXXX * Phone number provided by XXXX XXXX does not match Washington Federal directory records , so can not say with 100 % certainty that this is the correct " XXXX XXXX referenced by XXXX XXXX XXXX 

XXXX XXXX has admitted that our offer made on XX/XX/2022, which matched the asking price of the property ( MLS # XXXX ), was the higher offer. It was also confirmed in a mis-sent email that the other bidder 's offer did not have a lender that was willing to finance the loan. My realtor and mortgage agent called XXXX XXXX to assure her the nature of the dwelling was not an issue for financing. Nevertheless, XXXX XXXX let my offer expire because, per the submitted email chain, we refused to use one of the three agents listed above. Subsequently, she has also refused contact with my lender including members of his executive team. 

Further, we have strong suspicions that XXXX XXXX did not present our offer to the sellers. 

Attached is the email chain from XXXX XXXX to our agent, specifically requesting we use her three agents.
Consumer complaint received 2019-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (CA)

Due to the negligence and error on the companies part in whole my credit was hit and points reduced ( again ) along with them giving me false and inadequate answers as to what the issue may have been  and while I do what they asked to adjust and reapply they again change their points, misrepresent the issue and force me to reapply to hit my credit again. This is latent negligence and mishandling. 

I did everything in my part to help but they decided unprofessional was their best approach to get me off the phone. Their not the first nor the last company handling things as such. 

Still awaiting responses from their executive level as was promised to resolve the issue. 

We will see.
Consumer complaint received 2023-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

We received the attached bizarre collection letter for a " XXXX XXXX '' whom we don't even know who in XXXX that is. 

They have never even worked for our  law firm, so clearly this collection agency needs to do their homework, due diligence, skip trace, and cease and desist from further harassing us. 

Thanks, XXXX
Consumer complaint received 2022-05-06
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. (IN)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a checking account with Bank of America. My fianc had his checks deposited into my account from the IRS and unemployment. My fianc took his funds out of the account so the only funds in the account belonged to me. I had about {$11000.00} in my account. Bank of America decided to look into the acct and state the checks that were deposited ( my fiancs ) were not in my name so they closed my account. They stated {$9600.00} of that money would be returned to the sender ( IRS & unemployment ) so it can be returned to us. The remaining {$2000.00} maybe would be sent back to meThis incident occurred XX/XX/XXXX. I then called a few weeks after to see if the funds were returned, they could not provide me an update and told me my funds would be held in their back office they stated they do not have a timeframe on when the funds would be returned. I called again afterwards and someone told me they were waiting on the sender ( IRS & Unemployment ) to verify the funds and they sent a letter to them in order to do so. I called in XX/XX/XXXX and was then told that WE needed to call IRS and unemployment to recall the funds. We contacted IRS and was told that they did not need to recall the funds the bank should be able to return the checks but we asked them to. IRS initiated a trade to recall the funds and let us know it would take 90 days for an update. We contacted them in 90 days and stated they do not have an update. They spoke with someone from BANK OF AMERICA and got disconnected no updates since. This occurred in XX/XX/XXXX. I have been calling ever since and the bank just tells me there is nothing they can do unless XXXX AND IRS recalls the funds. We are now in XX/XX/XXXX. It has been a whole year the bank has been unlawfully holding onto our funds. Our family has suffered dramatically from this. We did not have any money and became homeless. Bank of America has caused such an inconvenience to us and a financial struggle.
Consumer complaint received 2022-05-06
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. (GA)

In accordance with the fair credit reporting act XXXX  the following accounts/ inquiries have violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 ( a ) states that I have a 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 2023-03-16
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. (KY)

DEAR Credit Bureaus During the Covid-19 I struggle to catch up my payments on time I was sent home from my job because of Covid-19 I was missing payment to my XXXX  secured loan on XX/XX/XXXX and XX/XX/XXXX and Borrow money from someone to pay XXXX XXXX  secured loans and XXXX  Secured Credit card they refused to remove the late payments off my credit report since then I never late to making payments they supposed to follow the COVD ACT and remove those late payments from my credit reports as soon as possible .Account # XXXX and Account # XXXX SINCERELY. 
XXXX XXXX XXXX.
Consumer complaint received 2023-03-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (LA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX BTC ( XXXX USD ) from my Coinbase account to the fraudulent investment firm. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2022-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-14
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. (AL)

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$140.00} XXXX XXXX
Consumer complaint received 2017-05-29
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. (TX)

I have been battling with a few old student loan collections that should n't have been reported as such because I was not out of school and servicer knew that and did n't communicate to other departments. This balance was handled with a new transfer, and I had disputed with the credit bureaus, and they either did n't investigate, or they did but did n't update and remove the collections. Through Equifax, they even  have  XXXX  of my collections listed as " medical ''?? but they " verified it,    XXXX    '' and there was a " key derogatory '' that showed  XXXX  times in 2016 ev en though this account was handled years prior. Very odd and this is keeping me from buying a house. I 've attached letters and info. Thank you so much for helping
Consumer complaint received 2019-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The reason I am writing to you is to inform you of this company failure to remove fraudulent accounts from my report even after being informed of them. I provided this company detailed letter indicating what accounts were fraudulent, I even attached my FTC report indicating that am a victim of identity fraud. 
But until now, this company is still reporting these fraudulent accounts. Yet another time, Below is the fraudulent accounts that I need to be removed from : XXXX XXXX # XXXX Status Updated XX/XX/XXXX XXXX XXXX # XXXX Status Updated XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX I am attaching the FTC report I sent to this company as proof that I am a victim of identity theft.
Consumer complaint received 2018-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX XXXX XXXX XXXX, the Human Resources of XXXX XXXX XXXX, XXXX address as following XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. 
Web : XXXX sent me an appointment letter to work with his company to collect the company amount from their clients in USA and XXXX then to send them the money after I deduct my percentage 10 % only from each collection, therefore their client going to pay check to me and I suppose to collect all this dues amount the transfer it to them according to XXXX XXXX   instructions, thus they send me the first invoice to XXXX XXXX XXXX of the amount of {$280000.00} and XXXX XXXX  asked me to contact him to start the payment on behalf of the company XXXX XXXX XXXX, XXXX then I did that and I contact XXXX XXXX XXXX to start paying his due amount, the gentleman asked me to pay partially on weekly bases and he sent me the first check from Bank of America which my account too so it will be so easy to collect the check within 24 hours only, so he send it from XXXX to my address in Virginia via XXXX XXXX with the following information Proof of Delivery Dear Customer, This notice serves as proof of delivery for the shipment listed below. 
Tracking Number : XXXX Service : XXXX XXXX XXXX Shipped/Billed On : XX/XX/XXXX Delivered On : XX/XX/XXXX XXXX XXXX. 
Delivered To : XXXX, VA, US I take the check and deposited in my account specially its under my name, the next day ( XX/XX/XXXX ) the bank of America credit the amount {$22000.00} to my account then hold the same amount again till they investigate the check. 
today at XXXX XXXX I am trying to use my debit card to fill my car with the fuel I notice that my debit card is denied I called the bank of America customer service they informed me that they close my account because of a fraud check deposited in my account on XX/XX/XXXX, I explain the story to the bank officer on the phone he said I am victim and I should report a case immediately. 
That is what had happen sine XX/XX/XXXX till now.
Consumer complaint received 2018-04-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc. (WA)

I had got a car loan with a company called Santander USA. I had asked for advancement on my loan because i had to relocate to an apartment they gave me a month then the company said i would have to pay in 30 days. So i did that then. They turn around and tryed to charge me interest. Then i made double payments in the same month and none went to the pricipal. Then they told me i owed them XXXX dollars off of one payment of additaional intrest then they caimed to the intrest.. I called to work things out they told me they were going to repo your truck then they said your 2 months behind then i asked why hasnt anything been appiled to the pricaiopal payment. there answer was you owe XXXX  dollars. 

Im sending in regrads please help. that this is clearly predatory leading.
Consumer complaint received 2022-05-06
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 recently filed a letter addressing erroneous and inaccurate accounts that I have disputed and that can be seen in my credit file, and I am disappointed that they are still there. I do not verify such accounts, which is a violation of US Code 1681 Accuracy and Fairness in Credit Reporting, which is part of the Fair Credit Reporting Act.
Consumer complaint received 2019-08-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NV)

Many attempts to short sale my home through a local realtor who has found a buyer and done everything possible to sell the home, but the Mortgage company has repeatedly made us jump through hoop after hoop and has taken too long in responding to our submissions and thus we have missed deadlines through the fault of the mortgage company not us!!!! This has happened over an extended period of time ... .and both the realtor, the buyer through the short sale, and myself have reached our limits with the mortgage company. We need help desperately in getting this company to adhere to their own deadlines and quit beating around the bush. I will end up foreclosing on this house and it worries me tremendously because I have done everything I can to keep this from happening but the mortgage company has been sloooowwww as molasses in helping this sale to occur. I am enclosing information for your review and hope against hope that you can help. 

SIncerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-06
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. (TX)

In accordance with the Fair Credit Reporting act ; the following has violated my rights. 
XXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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 2018-02-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I sold all my crypto currency on coinbase and had them wire the money to my bank account on XX/XX/XXXX. Both ether and bitcoins. The transaction shows as completed in the app but I haven't received any payment on my bank account as of now. I did get in touch with customer service and they said they will investigate and will follow-up with me - this was on XX/XX/XXXX. I haven't heard anything back from them since although I followed up twice already.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX never gave TRANSUNION, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The credit bureaus were also notified that my information was compromised in the XXXX data breach. The collection agency that is claiming that I owe an alleged debt to their agency has failed to validate this debt. There was no original contract with my signature, no forward flow agreement, or 1099c sent to me. XXXX has since removed this account. Also note that XXXX and Transunion are reporting different dates for the date of last activity which is a violation of the FCRA. All data furnished should be consistent and accurate. Attached is my credit report to show the error. I will attach the dispute letter sent on XX/XX/2023 which is dated, and time stamped. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to you regarding unauthorized inquiries on my credit report that are associated with numerous companies. As a victim of identity theft, I recently discovered multiple inquiries on my credit report that were not authorized by me. I have taken immediate steps to address the identity theft issue and have active alerts on my profile to prevent further unauthorized activity.