davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Social Finance, Inc. (PA)

Hello, I referred two friends for the SoFi Credit Card which advertised a 6 % cash back bonus for 30 days for each successful referral. 

The first friend was approved on XX/XX/2022. 

The second on XX/XX/2022. 

I have been going back and forth with SoFi on the first bonus, and tried again today with a new friend.

I literally watched her apply through my referral link, and on the application screen it said she was using my link. However. SoFi now claims they have no record of her using my link and awarded me a measly courtesy of XXXX dollars which will not even cover the extra cash back Id have earned today. 

They claim my referrals did not use my referral link. I actually watched them do it, so this is a blatant lie. And the first individual swears they use the link as well. There is clearly an issue with their referral system.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I enrolled with Florida XXXX XXXX XXXX back in XX/XX/2010. At the time of enrollment I was told that my credits from my prior school would transfer towards my degree. It wasn't until a the end of XX/XX/2010 that I was informed that they wouldn't transfer my credits. I therefor withdrew from the college extremely upset that I was mislead and wasted several months that I assumed was being put towards my degree. I enrolled in a different school. The statue of limitations for how long the accounts can report has long expired. Again this all occurred in 2010 and at no point was payment made. It's now almost 9 years and the four accounts are still reporting. This is clearly a violation of the FCRA.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I enrolled with Florida XXXX XXXX XXXX back in XX/XX/2010. At the time of enrollment I was told that my credits from my prior school would transfer towards my degree. It wasn't until a the end of XX/XX/2010 that I was informed that they wouldn't transfer my credits. I therefor withdrew from the college extremely upset that I was mislead and wasted several months that I assumed was being put towards my degree. I enrolled in a different school. The statue of limitations for how long the accounts can report has long expired. Again this all occurred in 2010 and at no point was payment made. It's now almost 9 years and the four accounts are still reporting. This is clearly a violation of the FCRA.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I enrolled with XXXX  XXXX XXXX XXXX back in XX/XX/2010. At the time of enrollment I was told that my credits from my prior school would transfer towards my degree. It wasn't until a the end of XX/XX/2010 that I was informed that they wouldn't transfer my credits. I therefor withdrew from the college extremely upset that I was mislead and wasted several months that I assumed was being put towards my degree. I enrolled in a different school. The statue of limitations for how long the accounts can report has long expired. Again this all occurred in 2010 and at no point was payment made. It's now almost 9 years and the four accounts are still reporting. This is clearly a violation of the FCRA.
Consumer complaint received 2019-05-28
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. (OH)

My name is XXXX XXXX XXXX, XXXX XXXX SS XXXX I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX-XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have a few issues with account that have been Paid in full with the Origianl Creditors still showing up on my credit report. please remove/delete the following items 1.XXXX XXXX   XXXX OHIO XXXX XXXX XXXX 2.XXXX  XXXX BANK XXXX XXXX # XXXX 3.XXXX XXXX XXXX   # XXXX 4.XXXX XXXX # XXXX 5.XXXX # XXXX 6.XXXX XXXX XXXX XXXX # XXXX Not sure how these Paid account got listed when most of them are still in court. They are not accurate please delete them.This is the 3rd time I have requested documentation for them under 623 FCRA.
Consumer complaint received 2022-03-14
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: ENCORE CAPITAL GROUP INC. (MA)

My name is XXXX XXXX XXXX. I am filing this complaint for my self and do not need any assistance from anyone to file a complaint against your company for the fraud you have committed against me. I did not give Midland Credit Management any permission to use any of my identifying information o commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Lastly, pursuant to 15 USC 1681 c-2 Block of information from identity theft resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (AL)

When I did my taxes in XXXX for the Year XXXX I found Credit Card opened that I did not. I contacted the Credit Cred Companies to dispute the Card and verified that I did not have anything to do with the Card being open. For months I called and disputed the XXXX over and over. I even disputed the Card on XXXX. All I head back is that the dispute was found I was accountable for the Card. This has been going on for years now and need them to be removed from my Credit Reports.
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

My work transferred me from XXXX to XXXX XX/XX/XXXX. Back in XX/XX/XXXX we knew we were not going to have enough to make the mortgage payment and rent plus all the utilities associated with the properties. We went to Wells Fargo and was asking for help before the loan was 30 days past due. They said that they could not do a forebeance on the loan and the only XXXX options was a repayment plan for when we did miss the payment or a loan remodification which may not work because we were selling the house. So we entered into the repayment program in XXXX and they did not fully explain how it worked or that for those four months that we were on it it would continue to count late on our credit report. I even have a letter that makes it seem like it would not. Our last payment on that plan was in XXXX and even that month was reported late on our report. It just amaz d me and my husband that there was no help offered to us till we were late. Any help would be appreciated
Consumer complaint received 2022-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (IL)

On XXXX I made a purchase paid via PayPal. 
I reported to them that I feel the vendor was a scammer. The vendor contact info was a fake email that was XXXX so I couldnt contact the seller. PayPal would not stop the payment from my checking account. Once the payment was made I opened a dispute with PayPal because the goods were never received. I have confirmed with XXXX that the tracking number given by the seller ( scammer ) is not associated with me and my address. PayPal continues to ask for additional information from me for a week. A total run around. Their protection plan is supposed to handle this and provide a refund. They have closed my dispute in the sellers favor because it shows a delivery was made but it was not made to me.
Consumer complaint received 2019-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On XX/XX/2019, XXXX XXXX, I contacted Coinbase Support with the following email, " Hi, My name is ******* *********. I am trying to initiate a transfer from my vault to my bitcoin wallet. Unfortunately, it seems that my secondary email address has changed without me doing it. I need my secondary email address changed back to the original one ( XXXX ) so I can approve the withdrawal from my Vault. 

If you need any additional information, please let me know. My phone number is XXXX. You can also reach me at either XXXX or XXXX. 

Thank you, XXXX '' I also called them on the same day thru their support number on XXXX, to reiterate my concerns, and I spoke with XXXX. He told me he would immediate forward my case to a specialist team. 

Coinbase emailed me the following on the XXXX of XXXX. : " Hi there, Thank you for your patience. 

This issue is being addressed by case XXXX. Please use that case number to communicate with us and track current developments involving your issue. 

All the best, Coinbase Support '' I have been waiting for a month for Coinbase to  resolve this issue, and during this time when I have wanted to withdraw my funds, bitcoin has fallen from {$14000.00} a coin to below {$10000.00}. This type of customer service is ridiculous. 

I called them today ( XX/XX/XXXX ) to inquire about my account information and my inability to withdraw my funds, and it seems that they have not been working on my case, and XXXX, the service representative I was speaking with, repeated the same lines that XXXX said, and would be unable to do anything about it. 

All I want to do is withdraw my money out of this organization. Changing my secondary email address without my permission should never have happened in a company of this size. And XXXX my issue, yielded results that this has happened to many other people, yet Coinbase is doing nothing about fixing the error with their own system. 

After I called them on XX/XX/2019, the sent me two emails saying that they would look into it. I have attached those 2 emails. If you look at the attachment called email2, it says " Please note that these reviews are typically completed within 5-7 business days. '' It has been over a month since they said that, and there is no progress so far.
Consumer complaint received 2021-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (PA)

On Wednesday, XX/XX/2021, I received a call from a debt collector identifying themselves as United Collection Bureau or " UCB. '' The person I spoke to verified if my birthdate was correct, and then he proceeded to explain he was collecting on an account where I owed " {$1800.00} '' which originated something called " XXXX XXXX '' or " XXXX XXXX. '' It definitely started with an " XXXX '' My total debt is split between my school loans, my current car loan, and seven unsecured creditors. I monitor my credit rating monthly, so I know exactly who owns what amount on each debt account. First red flag : Ive never heard of this debt collector before and they just started calling me this week. Second red flag : The debt they say theyre trying to collect originates from an account that doesn't sound like any of the banks Ive ever done business with. Third red flag : UCB has been repeatedly calling my mothers house phone number. All of the creditors I DO deal with have always called me on my personal mobile phone number. After I told this person I don't recognize the account they're talking about, I promptly ended the call. They repeatedly continued to call my mom 's number while I was at work on Thursday, and she finally convinced them to stop calling. There is the POSSIBILITY that one of my accounts was sold between companies and " XXXX  '' is some alternate name for one of my old creditors. But if the account changed hands recently, I was never notified.
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (OK)

Conduent is XXXX debit card for child support, and unemployment. They restricted thousands of cards last night at approximately XXXX, unable to check balance, use for any transaction, and withdraw our monies off the card. This has happened time and time again and they say its the OESC and the OESC says its Conduents fault. No one will take blame or accountability for the mess.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I filed for bankruptcy in XX/XX/XXXX and it was discharged in XXXX of XXXX. I signed a reaffirmation agreement prior to the discharge of the bankruptcy and our attorney sent it back to the lender ( XXXX XXXX XXXX XXXX XXXX ) . The bankruptcy was discharged under Chapter XXXX however the loan is not showing on my credit report at all and it should be.
Consumer complaint received 2022-03-14
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. (PA)

15 U.S.C. 1681 section 602A states I have the right to privacy 15 A.S.C. 1681 section 604A section 2 It also states A consumer reporting agency Can not furnish a Account without my writing instructions. 



In according with the fair credit reporting act convergent accounts listed under Equifax has violated my rights Equifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXXK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 late payments during Covid )
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TX)

On XX/XX/XXXX, my mortgage servicer, Dovenmuehle Mortgage , Inc., a servicer for XXXX XXXX sent a duplicate hazard insurance annual premium payment in the amount of {$1100.00} from my escrow account to my insurer, XXXX XXXX. This is a duplicate of the payment of {$1100.00} that they sent XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX alleges to have sent the {$1100.00} back to Dovenmuehle Mortgage , Inc., a servicer for XXXXXXXX XXXX. 

To date, Dovenmuehle Mortgage , Inc. has not properly credited my escrow account for the {$1100.00}.

Dovenmuehle Mortgage , Inc. was not authorized by me to send the duplicate annual hazard insurance premium to XXXX XXXX. They appear to have no interest in crediting MY money back to my escrow account because of their negligent error. 

I have dealt with mortgage servicers since XXXX, and Dovenmuehle Mortgage , Inc. is no doubt the worst.
Consumer complaint received 2022-12-04
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-04-14
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. (MD)

I recently filed a complaint about XXXX XXXX XXXX XXXX. This collection agency reported an account on my credit file with the original lender being " XXXX XXXX XXXX XXXX '' from 2018. I have FINALLY tracked down the original lender XXXX, who tells me that the first time I called XXXX XXXX XXXX XXXX, they should have taken my insurance information for billing. I had medicaid and VA XXXX at the time of service XX/XX/2018. I just spoke to someone at XXXX XXXX XXXX XXXX who refuses to taken any insurance information. This is unacceptable. This account needs to be removed from my credit file IMMEDIATELY!!