davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

There are too many inquires on my consumer report that is there without my permission. XXXX has XXXX inquiries, XXXX has XXXX and Experian has XXXX. I have asked constantly that they take these off because they are there without my permission and they refuse to do so consistently. Please have them do so immediately because I have sent them letters with written instruction on what needs to be deleted from my consumer report for months of XXXX and XXXX and they are not complying. They Violate my rights often as they can. please help.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (FL)

I deposited {$30000.00} in a new checking account for my daughter 's wedding. Plans changed and when I went to close it after 5 months they said there would be a {$50.00} close fee. They also said there would be a {$25.00} fee for a cashiers check. this made me mad so I said ok just give it to me in cash. they said they did not have enough cash and I would need to call and arrange for the cash. 

I do not believe either fee is appropriate especailly since they had my $ XXXX for over 5 months nd never told me about either
Consumer complaint received 2019-08-06
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)

I been working with XXXX in regard to clean up my credit report I'm a victim of identity theft I'm also having the same trouble with Equifax both these companies refusing to clean my credit even after proper documents have been provided to the company I currently have a dispute with your company consumer finance my number is XXXX-XXXX same information I faxed over today pertain 's to XXXX right now I'm asking this company to fix my credit XXXX XXXX last XXXX of social XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/XXXX
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (NJ)

I sent letters to Credit bureau stating this account is very old from year XXXX which should be off my credit report account they are Re-aging XXXX account # XXXX the year they have on my credit report XX/XX/XXXX on my credit report it comes off XX/XX/XXXX it should have been off my credit report years ago company name Convergent outsourcing 7years to report this company is reporting wrong information they re-aging this account they sent back letters saying its Verified
Consumer complaint received 2021-04-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

Someone accessed my Coinbase account on Friday XX/XX/2021. He/she deposit XXXX to coinbase from my bank without my authorization. Following sells all my cryptocoins, and withdrawal {$8500.00} to third party account of XXXX XXXX XXXX with 4 last digit XXXX. 

Tried to contact Coinbase customer service by email/phone to prevent the withdrawal which will happen on Wednesday XX/XX/2021. Only get automatic respond.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I just realized I have a hard credit inquiry from XXXX XXXX even though I don't have any accounts with them. I never gave them authorization to access my credit report.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just realized I have a hard credit inquiry from XXXX XXXX even though I don't have any accounts with them. I never gave them authorization to access my credit report.
Consumer complaint received 2022-03-28
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. (NC)

On XX/XX/2022 I wrote a dispute letter to TransUnion disputing ( 3 ) three accounts as erroneous and sent them certified mail. On XX/XX/2022 the letters were received by TransUnion certified mail. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate my dispute. XX/XX/2022 I decided to reach out to TransUnion letting them know I did not receive any response from them stating that they were investigating my dispute in the 30 day time allotted so I followed up with a demand and comply letter. In return TransUnion deleted my XXXX XXXX XXXX XXXX # XXXX but did NOT delete the XXXX XXXX # XXXX ; as well did NOT delete the XXXX XXXX XXXX XXXX # XXXX. It was clearly stated that this was NOT another dispute or opportunity to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I just realized I have a hard credit inquiry from XXXX XXXX even though I don't have any accounts with them. I never gave them authorization to access my credit report.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

My debit card was stolen on XX/XX/2018. The bank then noticed and notified me by phone stating if I authorized 6 transactions of {$500.00} totaling XXXX removed from checking and savings account from a local ATM. I adviced them that was not me and that when it was stolen I was not in that area and that my card was stolen, I did let them know what I did authorize. They re instated the stolen amount until the investigation is on going and they make a final decision. As of XX/XX/2018. They stated my claim was denied and the investigation is closed.
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (HI)

RE : XXXX First, you state I continue to allege the charges and interest are fraudulent. Because they are, whether you like it or not. The interest incurred on the original fraudulent charge is fraudulent ; despite the fact that you keep asking the entity committing fraud if theyve done it. And, I could care less if the entity committing fraud says Im liable. Of course, thats what theyd say. Theyre trying to XXXX. Whats more, it evolved from a merchant dispute to fraud once the seller lied about the quality of their product and their location, and when XXXX decided to follow through with the charge, despite the fact that the sellers website had been taken down for fraud, and the seller could no longer be contacted. Furthermore, your lack of evidence and circular reasoning is growing quite tiresome. Once again, claiming res ipsa loquitur just makes you look foolish. Lastly, as previously stated, I could care less if the scam artists at XXXX contacted the original scam artist seller before the website was taken down, and the seller verified the purchase. Once again, of course thats what theyd say. Theyre trying to XXXX as well. 

In conclusion XXXX XXXX The seller committed fraud by lying about the quality of their product and their location, and their XXXX information and countless reviews proves this. 
2. XXXX committed their first act of fraud by charging interest on the original fraudulent charge, despite proving the original charge was fraudulent. Then XXXX committed a second count of fraud by selling the fraudulent account to MCM. I did not authorize the seller to charge my credit card for the product received, nor did I authorize anything coming from the region the seller lied about being in. 

With that said, my position has not change. The above-mentioned account needs to be terminated immediately, and my credit rectified. The shady MCM collection agents need to stop harassing me as well. And, cool, you stopped reporting to the credit agencies ; as you should, it still doesnt fix the mess that has already been created by XXXX. This needs to be remedied IMMEDIATELY! Failure to do so will result in being contacted by the State Attorney, followed by legal counsel. 

Finally, MCM is not a reputable company. Ive read your reviews, XXXX complaints, etc. Youre scam artists as well, and this is just one big XXXX XXXX  where you clowns rip people off while daring them to sue you. Whats more, stop the condescending XXXX. You clearly could care less about how the scam youre running has inconvenienced me. If you really cared, youd stop scamming people. Truth is, youre a bunch of parasites. 

Quash this account and restore my credit IMMEDIATELY!
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX I sent a letter regarding inaccurate unknown things and late payments 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 2019-08-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

My name is XXXX XXXX SS # XXXX Re : XXXX University acct # XXXX UAS ; XXXX account opened : XX/XX/XXXX I talked to a lot of peoples over a 3 month period. My student loan was put in collections, and all of a sudden I noticed it showing back as updated on my credit. I am in the process of getting a house and called my credit consultant and she told me to call them and ask why it is showing up and request it to be removed due to it being over 7 years. It was removed from collections and updated to my credit report. This caused my score to come down and it shows about 21 late on my credit history. I talked to XXXX University who referred me to collections, who referred me to talk to UAS. I was told that I could apply for hardship to get this payment decreased or removed all together. I was denied for some reason. I sent in letter to request this be removed from my credit due to this bill being since XXXX. I was told if I paid the XXXX they would remove it from my credit. I paid this amount and asked them several times during the conversation in XXXX and In XXXX will this be removed and I was told yes that once I made payment they would contact credit bureau and remove it. I paid this on XX/XX/XXXX. I called back in the next day and asked them when would it be removed and the lady told me they would update but would not remove. I told her that's not what I was told and I am upset because I explained to the guy that my credit consultant told me to ask them to remove if I paid it and if they were not going to remove it I would not pay it because it would not help my credit. I asked to talk to supervisor and got the same response. I called my credit consultant and she told me to call back and request it be removed because they should not have told me this in the first place. If they refuse to remove to le them know I would file complaint with CFPB. I didn't know the exact date the guy told me they would remove and I suggested that they listen to the calls and they would hear him telling me this. There was a language barrier and I explained to him several times and he said pay and we will remove not update. The supervisor said he would investigate and call me back. He called me on XX/XX/XXXX and said he listened to the calls and I did ask them to remove and was told they would update my credit. That is not true and I don't believe he listened to all the calls or he just not admitting the truth. I am very upset because I feel like I was mislead to pay just to get my money. I strongly feel they should remove this account from my credit due to their mistake. They updated it in XXXX they said and I don't know why. the 7 years statue of limitations would have been over in XXXX. Please review this case and ask to hear all the recordings and you will hear where the guy told me this.
Consumer complaint received 2021-08-26
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: Shellpoint Partners, LLC (MT)

XXXX has been reporting the incorrect dates on my credit report as to when i took out a mortgage with Greentree, Ditech who filed for bankrutcy and sold our mortgage to New Rez [ Shellpoint mortgage ] .I tryed disputing this and sent them court papers and a copy of the mortgage as to when it was started .They have listed me me as having started this mortgage in XXXX and my contract was started in XXXX .thats when the mobile was built was XXXX they havent investigated this matter and as of this date it is in court in Billings mt .They have this document as i certified it to them and they came back with the same wrong info .please can someone help??

Thankyou XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NC)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-08-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (PA)

On XX/XX/XXXX, I received a phone call from Selene Finance, informing me that my mortgage payment for the month of XXXX  was late, which is {$1200.00}. My mortgage has a 15 day grace period. The agent informed me that it doesnt matter about the grace period, she was charging me a late fee anyway. I have never been late on my mortgage. Im not behind on my mortgage. I dont have a problem paying my mortgage. Selene Finance has no reason to be calling me. What I dont understand is, why with all these complaints against this company, why are they even allowed to deal with mortgages? They are a collection agency.
Consumer complaint received 2022-03-28
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: National Credit Adjusters, LLC (LA)

I paid my collection in full on XX/XX/XXXX with XXXX XXXX XXXX. On XX/XX/XXXX, they put a collection on my credit report and reported the balance as unpaid. I submitted a bank statement showing that I paid the balance. XXXX reported back to me that the company says the reported balance is correct and closed my dispute even after I gave proof. They are just taking the company 's word for it. I called the company and they said that this is XXXX 's error, not theirs. XXXX says it is the company. I don't know what to do. I have other mistakes on my XXXX credit report as well, and I am afraid that XXXX will leave these discrepancies there. National Credit adjusters has the date that my account defaulted wrong, which would make the account stay on my credit report longer. I went delinquent in XX/XX/XXXX, and on my XXXX credit report, it says XX/XX/XXXX. I disputed this a long time ago and a response was not given. Months! I disputed again. I am hoping someone will help me get these errors fixed.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hello on XX/XX/XXXX I sent a inquiry removal letter to Equifax and recieved no response and I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these inquiries be removed immediately!
Consumer complaint received 2022-03-28
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: ONLINE Information Services, Inc. (LA)

I paid my collection in full on XX/XX/XXXX with Online Information Services. On XX/XX/XXXX, they put a collection on my credit report and reported the balance as unpaid. I submitted a bank statement showing that I paid the balance. XXXX reported back to me that the company says the reported balance is correct and closed my dispute even after I gave proof. They are just taking the company 's word for it. I called the company and they said that this is XXXX 's error, not theirs. XXXX says it is the company. I don't know what to do. I have other mistakes on my XXXX credit report as well, and I am afraid that XXXX will leave these discrepancies there. XXXX XXXX XXXX  has the date that my account defaulted wrong, which would make the account stay on my credit report longer. I went delinquent in XX/XX/XXXX, and on my XXXX credit report, it says XX/XX/XXXX. I disputed this a long time ago and a response was not given. Months! I disputed again. I am hoping someone will help me get these errors fixed.
Consumer complaint received 2021-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My checking account with USAA in XXXX XXXX Texas keeps getting hacked. Last summer in 2020 I saw I had XXXX XXXX dollars of assets in mutual funds and dividends and royalties. Whenever I try to call and get my money they say I don't have any or my account is closed. I feel my identity was stolen and I'm being erased. Please help me because the Bank won't help me. I believe these people can help XXXX XXXX who put a criminal trespassing report on me in XXXX Texas when I broke my foot in her yard with my friend and I denied the ambulance and XXXX XXXX who put a criminal trespassing report on me as well when she harassed me at XXXX on XXXX in XXXX Texas and the police would not even check out the surveillance saying it didn't work. I feel like the City of XXXX has violated my civil rights and I'm treated worse that anyone can imagine. Please help me in XXXX Name Amen.
Consumer complaint received 2022-03-28
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. (CA)

I disputed this account information status information about a month ago but it came back verified which I am shocked how they got that account status verified as closed when my account currently is open at this time and reporting that way on the other two credit bureaus XXXX and XXXX as status open so why is Experian once again reporting inaccurately I will upload a screen shot of the account from Experian report and a current credit one statement to show it's not close status!
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The KHOLS has been updating my account in my 3 credit reports with false information to destroy my credit. I've been contacting them disputing and they don't resolve the issue in hand. All they do is update the report with more false information. I also stated to them that the statue of limitation is over on this account since a last payment was made dated XX/XX/2013 XX/XX/2013. That account must be deleted off 3 credit bureaus they are reporting to and all they do is update the report with false remarks. I also send a letter regarding this issue and no action was taken on there behalf. There are validating my rights under the Fair Debt Collection Practices Act. In the event this issue is not resolved. I will find it necessary to sue KHOLS actual damages and declaratory relief under the FCRA. According to this regulation, I may sue KHOLS in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution on this matter. 

Attached is proof of all false remarks statement done on my credit report and and proof of last payment made datedXXXX XX/XX/2013 which the statue of limitation is over on this account.