davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NY)

This complaint is in reference to Credit Control R # XXXX. I received a letter stating that I was referred to collections for an account I am not aware of, is currently not on my credit report and allegedly became delinquent 9 years ago. This is the second company with my PII and attempting to collect a debt that is not mine. I am disputing this outrageous defamatory, reckless and harassing claim that has put me under emotional distress. I do not recognize the debt they are referring to and it is outside of the statute of limitations, both State and Federal. I fear that this institution will report a debt that does not belong to me which would damage permanently my high credit score. I am contacting legal counsel for advise and please be advised that if my outstanding credit history and credit score are affected by this company and their abusive letter, I will seek restitution, and compensation for material damages as a result of injury to my credit, furthermore, I will seek compensation for undue stress, pain and suffering, and will further refer this to regulatory agencies to investigate potential FCRA, FDCPA non compliance by this company that is currently harassing and threatening me with unfounded claims. Please note that not only the claim is false and borderline slanderous but it is predatory in nature as they are attempting to collect XXXX for an alleged debt of XXXX. Furthermore the letter sent to me is not compliant with the required disclosures as mandated by NY State. Please note that I attempted speaking with them and they refused to talk to me unless I gave them my DOB and SSN. They are not my financial institution and will not get PII that could expose me to ID Theft. The first rep was arrogant and rude, he hung up on me ; the second one an alleged manager was more cordial but still non cooperative. All this can be evidenced in the call recordings from XX/XX/2022 at XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (PA)

hi I have reached out to SEQUIUM ASSET SOLUTIONS because I recently checked my credit report and I notice there stating I have a outstanding balance of {$2600.00} from the date XXXX XXXX.I have no knowledge of and this is fraud
Consumer complaint received 2024-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (MS)

XX/XX/year> I was discharged from my bankruptcy. Since then They have received several documents confirming this but yet they will not accept a payment from me theyre saying that I owe {$5000.00} coming out of bankruptcy and refused to take anything except for {$5000.00} because they said I owed for the past XXXX  months. I sent them proof that it was paid and then they said my escrow surplus was over {$4000.00} I asked for it they said that I wasnt entitled to it if I was delinquent. I tried explaining I wouldnt have been delinquent if they wouldnt have messed it up in XXXX. XX/XX/XXXX they said that by XX/XX/XXXX they would know something XX/XX/XXXX comes around and they put it off until XX/XX/XXXX now they put it off until XX/XX/XXXX th making me XXXX mos behind only due to them not letting me pay. It hasnt been credited back to my account.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXXwhen the 4 accounts and address were first discovered an updated FTC identity report, police report and proof of identity was sent to Equifax and they refused to acknowledge that I had a credit file even with the copy that was sent to them and then says that they have verified the information as my information even though the accounts were opened as fraud. 
In XX/XX/XXXXto present I have been contacting Equifax in regards to these accounts and each time Equifax send me an email with a link that I can not open with title stating information verified. I have repeatedly called and written every month to Equifax with a copy of my police report, ftc identity theft report, proof of my identity ; Equifax is verifying with the creditor whom I have also repeatedly notified that the accounts were opened fraudgently and to close them basic information that was used illegally such as my name, social security number and a address I never lived at. 
Equifax also acknowledged that my personal information was part of their breach in XX/XX/XXXXand XX/XX/XXXXand tried to sell me a protection plan but refuses to remove unauthorized illegal accounts from my report ( fraud ). To add insult to injury my personal file has been blocked from me or other creditors being able to view it.
Consumer complaint received 2020-02-11
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. (MD)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DIGITAL FEDERAL CREDIT UNION (RI)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to urgently request your assistance in rectifying a significant error on my credit report that has severely impacted my financial standing and ability to pursue homeownership. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a 30-day late payment to major credit bureaus, which has resulted in a derogatory mark on my credit history. However, this late payment was reported in error and does not accurately reflect my payment history with XXXX. 

I want to emphasize that I have consistently maintained timely payments on my accounts with XXXX. Despite this, I did not receive any communication from XXXX regarding late activity on my account. There were no text messages, emails, or phone calls alerting me to any issues, leading to confusion and surprise upon discovering the reported late payment. 

Additionally, my account with XXXX is linked directly to my XXXX XXXX bank account, which consistently maintains sufficient funds for all transactions. At the time the payment was due, my XXXX XXXX account had a balance of {$1500.00}, more than enough to cover the required payment of {$260.00}. In fact, I regularly made payments of {$350.00} per month, well above the minimum requirement. 

Given these circumstances, there was no valid reason for the payment to be missed, and ample resources were available to ensure timely payment of the account. 

The consequences of this misreported late payment are severe, as it has dramatically impacted my credit score and ability to secure financing for a home purchase. Therefore, I urgently request that the erroneous 30-day late payment be deleted from my credit report. 

I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that XXXX complies with all relevant credit reporting laws. Additionally, I ask for your assistance in facilitating the removal of this erroneous late payment from my credit report as soon as possible. 

Please find attached documentation supporting my complaint, including copies of my credit report highlighting the inaccuracies. 

Thank you for your prompt attention to this matter. I eagerly await your response and swift resolution.
Consumer complaint received 2022-12-16
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. (NV)

XXXX has been filed sent to IRS along with XXXX XXXX and a cease and desist letter. This information has also been sent to Experian and they still report on my credit and this account information has been incorrect numerous times and XXXX XXXX has already been sued for FRAUD.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information is different from the 3 Credit Bureaus. Therefore, the XXXX, XXXX, and XXXX have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account in question : BK OF AMER XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Unauthorized Citi Bank Safeguard Debt Protection Fee Charges Total Charged Amount : {$1300.00} ( {$43.00} per month ) Charged Date : XX/XX/XXXX to XX/XX/XXXX Citi Bank has been charged a Safeguard protection fee for 30months which I have never applied for. 
Called Citi Bank in XX/XX/XXXX. XXXX to cancel Safeguard protection fee and requested a full refund. Safeguard protection fee has been cancelled as of XXXX, XXXX without any refunds. 
In XX/XX/XXXX Citi Bank sent me the letter stating that because my account was covered by the program benefits through the end of billing cycle in the month in which I cancelled, any previously billed fees are non-refundable.
Consumer complaint received 2021-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

An escrow account was established at re-financing for our quarter of property taxes, even though we told them we have always paid out taxes through an automatic electronic deduction. I called our tax department to see if they could suspend the one payment, that was NOT an option. When the township got the check from Freedom orgage, they returned it to Freedom orgage. I have now spent hours and hours and hours verifying my loan #, home address and last 4 # s of my ss number. I get disconnected. Every single time.
Consumer complaint received 2021-11-13
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. (NJ)

Transunion LLC at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments. 

2.XXXX  XXXX date of last activity is different on each bureau, XXXX is reporting on time payments, each bureau is reporting a different high credit amount.
Consumer complaint received 2019-11-21
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: Knight Adjustment Bureau (TX)

Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account but they declined to remove the negative reporting even if I already settled the account. Upon my conversation which resulted in payment, I was assured that the account would no longer report to my credit bureaus. 

My family is dealing with a lot of problems lately including a lease that will not be renewed so I am trying to purchase a home but I am unable to move forward as a result of XXXX XXXX XXXX placing this collection account on my credit report. My credit scores have dropped by over 90 points as a result of this one paid closed account. 

I would sincerely appreciate if they would submit a request to completely remove it from my credit report.
Consumer complaint received 2022-05-19
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)

FCRA violations : account not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$1300.00} Status Account charged off.
Consumer complaint received 2022-05-19
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. (MI)

Upon reviewing my updates, incorrect information was found in my reports. The XXXX 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 account that are reported on my Credit Reports : XXXX XXXX Balance Owed : {$15000.00} Date Opened : XX/XX/2019
Consumer complaint received 2022-05-19
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)

XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have rights 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.
Consumer complaint received 2022-05-19
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. (TX)

XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have rights 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.
Consumer complaint received 2019-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patenaude & Felix A Professional Corporation (CA)

Company Patenaude & Felux a 3rd party collections company for XXXX  sent a collections letter to an address I had not lived in since the year XXXX, the notice was sent in XX/XX/XXXX. In XX/XX/XXXX the company proceeded to serve a person at the address that is unknown to me. They fraudulently obtained a judgement against me for {$2400.00} in XX/XX/XXXX. I discovered this judgement in XX/XX/XXXX when I was looking for records for a family member. 
The company mailed in XX/XX/XXXX, a new service for renewal of judgment to the same old address that I have not resided in since XXXX. 
After reviewing County Records I discovered that the person they claimed to have served in XX/XX/XXXX did not reside that the address where notices have been said to be personally delivered to this unknown women.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I do not believe that I owe any debt and I have requested to Capital one to verify the debt by providing certain information like the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves that this creditor has suffered a loss. To date I have yet to receive a response. I have attached the dispute letter that I have sent them.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 60 days and they have yet taken any action to correct the mistake. They are supposed to report accurately to the Credit Reporting Agencies but theres information by LAW thats supposed to be EXCLUDED! Late or missed payments are one of them.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

This charade of a so called PROTECTION agency is beyond comprehension to honorable people. You do not even read the reports and if you did you have the same problem as the company does- people who claim to speak English that can not comprehend it. The company sends an alert explaining my score went down. Even after I have paid off and down a number of debts. Unauthorized users continue to read my credit score freely because their so called security freeze by their own words does NOT WORK and by their own words the data is months behind because banks have no mandate to report real time or even timely! Opinion by experience- How sad this farce continues yet why would it not. There is money to be made on false information- higher rates, different terms ad frankly in my opinion the CFPB is complicit and an accomplice as is Congress and The Honorable XXXX XXXX and her so called finance committee- ha- do nothing. Rhetorically one wonders how many millions screwed daily by these " honorable '' people? 
And here is the big joke by your own admission you do nothing- get a lawyer- yea right HA " The CFPB is an independent federal agency built to protect consumers. We write and enforce rules that keep banks and other financial companies operating fairly. We also educate and empower consumers, helping them make more informed choices to achieve their financial goals. '' Really amazing how about giving We the People a fighting chance instead of being ripped off? 
Experian Membership ID # XXXX Member Sign In XXXX, please review your alert FICO Score Your score decreased. 
OH and by the way- do you think while your at it yo can get one of your non america software engineers to grasp XXXX XXXX a female and t FIX their error- she is not a senior! Your contact information XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Upon reviewing my updates, incorrect information was found 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 account that are reported on my Credit Reports : XXXX XXXX Balance Owed : {$15000.00} Date Opened : XX/XX/2019
Consumer complaint received 2021-11-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

I bought XXXX XXXX from XXXX and after I buy I got valid wallet address for receiving from coinbase Exchange for XXXX XXXX and sent XXXX coins at that wallet address of coinbase. XXXX sent the coins and they got stuck at XXXX XXXX. 
CoinBase Now saying that there network is not supported to that wallet address. How can they say like this when they giving me wallet address for sending and receiving the coin.if their wallet not support they should not give wallet address for receiving/sending in their exchange. I can see my coins lying in XXXX XXXX but XXXX can not move them to Coinbase Wallet as their wallet address do not support. Like me there are hundreds of people also loosing money because of Coinbase Exchange Mistake. 

Please Help me to Resolve the issue with coinbase.
Consumer complaint received 2021-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I got a text that I have just been offered a job and was told I was going to be sent a check to purchase vendor materials for a job, I got a check in the mail the check looked original to me because it came from a bank, I deposited the check into my account and some money appeared and I was told by the job to transfer money through XXXX and XXXX XXXX to different people who were alleged vendors after this happened the bank told me it was an empty check and I have been transferring out my money all these while.
Consumer complaint received 2022-09-02
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. (IL)

The company is not correcting the issue related to a closed and settled account being used on my credit report. The account was closed and settled per XXXX.