davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX  Account : # # # # # # XXXX XXXX XXXX XXXX XXXX Account : # # # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account : # # # # # # # # XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - XXXX XXXX Account : XXXX XXXX XXXX CARD Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NV)

This company violate my 15 usc rights 1 ) collection shows a dollar amount 2 ) denied me my 1099c form on a charge off account 3 ) denied to validate debit 4 ) told told me on phone attempt to collection a Debit XX/XX/2022 XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2017-05-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Please see complaint file d  X/XX/2017 . It  was sent to another collection company witha very similar name. Correction was made by phone with CFPB but it was sent again to the wrong company.   The correct name for this collection agency is :  XXXX ,  XXXX   XXXX .  XXXX   XXXX ,  XXXX , Texas.    XXXX  or  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX , Texas.  XXXX
Consumer complaint received 2022-05-13
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX XXXX  XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights XXXX XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without 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 crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). States 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 the information is inaccurate.
Consumer complaint received 2020-12-20
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. (VA)

i check my credit report on XX/XX/20 i come across alt of inquries i have not approve no one to run or check my credit report i have sent a ftc police report to equifax about this matter but i have not got the reponse i been lookinfg for instead i been getting verfield back from equifax i know its my right to dispute fraud on my report as i have done by sending my ftc report to equifax and a leeter from ftc demanding them to block all inquires i have not approve from other lenders here are the lender ran my credit ... 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 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 ... These areall fruad inquires i did not aprrove no one to run y credit plz remove and stop saying its verfield
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (NV)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

On XXXX XXXX 2020, I sent a letter regarding unknown and inaccurate items that were on my credit report. After at least 60 days ( about 70+ now ), I still haven't heard anything back. Absolutely No Response. I feel like I am being ignored or taken advantage of in regards to the disputes. I have studied and according to section 611 ( a ) it is clearly stated that a failure to investigate these items gives a reason to delete these items WITHIN 30 DAYS and to be taken off of my credit report. Now, that at least 70 days have passed they need to be deleted immediately. Therefore, I demand that these items be removed from my account right away or I WILL begin litigation because this has exhausted me to my wits end and you have caused me a lot of stress. Not to forget to mention, I was hugely affected by the data breach involving XXXX  and now I am fearful because my records are possibly in the hands of the wrong person. This is a serious matter.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I am very concerned about my Coinbase account. I have invested thousands of dollars into Bit Coin plus a sizable amount of cash exists in this account as well. On XX/XX/XXXX I noticed that the amount of cash was incorrect. There was a sizable additional amount of funds. On this date I got a call from my XXXX XXXX XXXX XXXX that an unauthorized amount of approximately {$19000.00}. XXXX was going to be transferred to Coinbase. I made sure not to approve it and to terminate said unauthorized Coinbase transfer. However coinbase actually had reflected that I already had these additional funds in my Coinbase account. I tried to contact CoinBase however they refuse to allow me to speak to a live person. Instead I was made to follow online prompts to disable my account. I received an email confirming my case. XXXX # XXXX. I tried calling a customer service line several times but no one answers and on. A recorded line indicated that if I felt my account has been compromised to press # 1 to disable your account after I did this the phone disconnects. Ive since attempted several calls during the last few days and the same thing always happens. Yesterday XX/XX/17 I was also sent an additional email indicating that : on XX/XX/XXXX my balance had increased due to a {$300.00} buy/sale # XXXX The trouble is, I never attempted any buys on XX/XX/XXXX. Furthermore their online prompts influenced me to disable my account and made me attempt to change my password. Its now Friday XX/XX/XXXX and I have been locked out of my account all week. I have no access and no clarity to see what is going on with the account. I was sent several emails over the week stating that my case was being researched by a specialist and they would get back to me in 4-5 business days. This experience is highly irregular and I have a sizable amount invested with Coinbase. I do not feel comfortable about it and have no idea what is going on or what is going to happen. This is no way to treat a customer who has over {$30000.00} invested with Coinbase especially after I have put my faith and trust in their service.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (FL)

The Credit bureau Experian stated my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were properly investigated but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. They dont seem to be practicing Metro 2 Compliance! This is a clear FCRA violation and is grounds for deletion. They also violated my rights under 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 Also, they were asked several times to provide the information below and failed to do so.

1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and collections ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original accountholders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to '' promptly DELETE all inaccurate information. ''
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Citibank keeps hounding me for charges on a Citibank credit card I never received, never activated, and never used. 

I would like to help Citibank follow up and solve this fraud but Citibank has shown no interest in contacting me about the fraud and the fraudulent transactions or investigating them in any way. One of the charges is for XXXX. Citi haven't even followed up on that to get the address where the delivery was made. Nor has Citibank explained how their " security team '' allowed someone to 'activate ' a new Citibank credit card in my name. Zero response. Citibank also has not removed their fraudulent charges from Citi 's credit reporting about " me '' to credit bureaus. 

On top of all that, Citibank does not have an email address at which customers can report fraud to Citibank so I have literally had to spend more than 5 hours on the phone responding to Citi and explaining all this to Citi ( always someone new ) repeatedly and navigating a Citibank automated phone system that inexplicably is completely not designed to handle Citibank card fraud if the person reporting fraud has never receivedthe card and therefore does not havethe card number. How can this be? This must have happened to Citi tens of thousands of times if not hundreds of thousands times. XXXX? 

I can't log onto Citi online because I do not have a Citi online account and I never even received the card that Citi says I have charges on so I have no credit card number to set up a Citibank online account with. If Citi really wants to reduce fraud, set up an email address at which people can report fraud. And set up a phone system that allows someone to speak to a human about fraud in less than 20 minutes. 

Please stop allowing Citibank to waste its customers ' ( or in my case potential customer 's ) time. 

I would have loved to help Citibank investigate and solve this fraud. Citibank has shown no interest in that because that would require Citi doing something that is not automated. Citi instead prefers to waste my time, fill up my phone and email with past due messages for charges that are not mine, and mess up my credit. 

I find this remarkable and sad.Please help. This is insane and dehumanizing.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Payfare International Inc. (PA)

I should have {$260.00} available to me in my XXXX  ( ran by payfair, partnered with XXXX ) wallet. But my funds are not available to me and I cant even see how much I have. Every time I try to access or view them I get a different error message. I have called XXXX and XXXX support every day since XX/XX/22 and emailed multiple times and have gotten different answered that range from a glitch in their system to a garnishment withholding with no solid answers.
Consumer complaint received 2020-12-19
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)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CT)

My information was stolen and my personal information was compromised and used to open up fraudulent credit accounts. I have contacted these companies and supplied all information that was required ( Police report, Fraud Affidavit, Copy of Social and Driver 's License ) and also filled out documentation that was sent to me from the companies. There has been no resolution for these fraudulent accounts and they are holding me responsible for me being victimized. I contacted " XXXX XXXX '' although it was deemed as fraud I spoke with a supervisor named " XXXX '' he told me that they don't have to clear anything, that they can do whatever they want until they find where the money went. I spoke with several representative at " XXXX XXXX Fraud Claim Department '' I was told that it was deemed as fraud, but then received a letter saying that I am responsible for this account. I contacted " Comenity Fraud Department '' after sending in all documentation, I was told that I am responsible for this fraudulent account. I have never had any accounts with these companies and they need to be removed immediately.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

I always pay the balance due when the statement arrives. On XX/XX/2022 I made a payment using bill-pay to my Costco Citi XXXX XXXX I made a horrible mistake pushing the left most digit over one place. My payment was over by thousands of dollars. I immediately called the company and explained the error. They insisted on sending a check rather than an electronic transfer, which is how they took my money. As of this date XX/XX/2022 I have not received my overpayment. Numerous calls and a letter, that went unanswered, have not helped. I've had to borrow money from my retirement account and family to make ends meet while all this has gone on. The reaction of Citi shows they could care less about what this has caused me. I'm talking about an amount over {$5000.00}!!
Consumer complaint received 2022-10-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (DE)

Received two letters from Ad Astra Recovery Services saying I am seriously delinquent on a loan taken out in XX/XX/2022 from XXXX XXXX I don't know anything about this company nor have I borrowed money from them. 
Company is XXXX XXXX. Amount they say I owe is {$410.00}. 
Ad Astra Collection Agency File # : XXXX I called Ad Astra Collection and they identified the claim by XXXX XXXX and put a flag on it pending notification from you. Their Phone number is XXXX
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (PA)

I have a checking account with a bank name Current i recieved two stimulus checks to this account unknowingly the money sat in the account for over 8 months In XXXX my account was charged XXXXXXXX XXXX  numerous times collecting all the funds from my account i now have XXXX XXXX  in my account The bank is saying they see no fraud in the transactions but every charge have been fraud to my account
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Onity Group Inc. (TX)

PHH Mortgage Services formerly OCWEN Loan Servicing ( OCWEN ) is still incorrectly reporting my account. As indicated I applied for cash for keys and it was suggested that I file for deed in lieu for foreclosure under the Home Affordable Alternative program. The process was extended over and over because of Ocwen 's failure to just inform me that they weren't on the deed. Instead of just informing me of such, they slid a process that was unintended because there had never been a transfer of title. I have documents and have secured statements from the XXXX County Clerks and Courts that the reason that OCWEN could not process was because they did not hold the deed at the time of application. In fact when they became the mortgage servicer, they also did not hold the deed as proven by the clerks office. As such my efforts were abandoned even though I followed every step of the process as requested. As stated by the XXXX CO CLERK Ocwen would not have been able to perform any actions pertaining to the property.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

I am writing to file a formal complaint regarding the repeated failure to remove charge-off accounts from my credit report, despite multiple attempts to rectify this issue.

It has come to my attention that despite providing evidence of fraudulent activity and sending an FTC fraud report as mandated by section 605b of the Fair Credit Reporting Act ( FCRA ), the following charge-off accounts have not been removed from my credit report : These accounts were opened without my consent or knowledge, and they are clearly the result of identity theft. As such, it is imperative that they are promptly removed from my credit report to prevent any further damage to my creditworthiness.

I have made numerous attempts to resolve this matter through proper channels, yet the accounts remain on my credit report, inaccurately reflecting upon my credit history. This persistent failure to address the issue not only violates my rights under the FCRA but also undermines my ability to secure credit and financial opportunities.

Therefore, I am formally demanding the immediate removal of the aforementioned charge-off accounts from my credit report. If you maintain that these items are 100 % accurate and verifiable, I require copies of any documentation associated with these accounts bearing my signature. However, I can assure you that no such documentation exists, as these accounts are a result of identity theft.

Please be advised that if the requested action is not taken within XXXX business days, I will have no choice but to escalate this matter and seek legal recourse. I am committed to resolving this issue in a fair and lawful manner, but I can not tolerate continued negligence and non-compliance with the law. With this, I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00}.