davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tate and Kirlin Assoc (AZ)

Tate & Kirlin calls and texts every day from different numbers in the XXXX, XXXX and XXXX area codes. I do not answer because I know they are trying to reach someone else named XXXX based on their texts. I am not XXXX. I have no overdue debt and a very high credit score with no delinquencies. They clearly have the wrong number but will not give up.
Consumer complaint received 2020-12-22
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. (CT)

Hi, My account with XXXX XXXX has been closed and paid in full due to a lawsuit brought on by the State AG. I received my title and letter stating, " they will have it removed from all credit reporting agencies ''. I sent the letter stating just that to the credit reporting agencies and Equifax did not remove the account. 

Can you help me? 

Thanks, XXXX
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC (CA)

Original Creditor : Continental Fin Co Two Different Amounts {$230.00} - {$700.00} Amount Claiming Owned XX/XX/2019 Date Reporting On My Credit Profile **** Requesting **** VOD Validation Of Debt **** Account Status Reporting Negatively Hurting My Credit Profile
Consumer complaint received 2020-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE XXXX PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-12-22
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: Open Dealer Exchange, LLC (MD)

On XX/XX/2020, I visited XXXX of XXXX to purchase a vehicle. I paid for the vehicle in cash. When I got home, I received an alert from my bank that someone had pulled my credit. I checked an found out that it was XXXX of XXXX. I did not give them the authorization to do so and have spoken to several people in the dealership with to no avail in having them to contact XXXX to remove the hard credit pull from my credit. It has affected my credit score much. I was never given a copy of the credit report that they pulled or any document showing that I gave them permission. The company that they used to pull my credit is called 700Credit.
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 — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (NV)

There was no permissible use of any of these accounts. I have made multiple attempts, to resolve this issue. I filed incident reports with XXXX XXXX, and XXXX stating the accounts were fraud. I have issued supporting documents and attached my police report in all claims, and still with no resolution. Below you will find information on those accounts dates and amounts. Please let me know if theres anything else I need to add. 

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 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 XXXX XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I XXXX XXXX XXXX have had issues with a debt collector agency named Wakefield and Associates. They alleged that I have debts and delinquent accounts however I dispute those allegations. To the best of my knowledge I do not owe any form of debt to their firm of any kind. Wakefield and Associates have not properly notified of said accounts. I have never received any documents itemizing details such as accurate dates, times, agencies owed originally, nor service rendered. They are unable to provide any form of any alleged original contract nor the name of the original creditor. Whenever I attempt to dispute this particular debt collector agency Wakefield and Associates illigitimately edit monetary amounts that allegations claim that I owe. They are illegally attempting to use my credit report as hostage by use of negatory marks without basis. This company has an extensive history of being disputed due to predatory collection tactics. The firm has failed to provide any form of verified detailed contract of such debt. No notice of debt has been issued at any point in time, I am lead to believe that the statute of limitations has lawfully passed in order to continue any form of debt collection as well as negatory marks on my credit report. I do not to the best of my truthful knowledge owe Wakefield and Associates any alleged debts and believe they are attempting to practice collections and reporting outside of lawful statutes in an attempt to collect ineligible assets as well as incorrectly attempting use my credit report to place negative reputation against my financial reliability.
Consumer complaint received 2019-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

Filed a dispute with Equifax. They sent email that the dispute investigation was complete. I go online, as they suggested to view information and the website would not let me access the dispute. I then call them and they refused to give me the information or mail it to me or tell me how to get the results. I asked them what was wrong with the identifying information I was providing and the person on the phone kept saying " that is not the case ''??? I ask him what that meant, and he kept repeating the phrase " that is not the case '' what case? what do you mean? and the Equifax Representative kept saying that is not the case. I want to get the information of the results of my dispute.
Consumer complaint received 2022-05-13
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. (NY)

Hi, My name is XXXX XXXX and I have an issue with transition that I am not having with my other credit bureaus. I will attach images to show the issue that I am having revolving my XXXX XXXX  auto loan account. The creditor XXXX XXXX  themselves had incorrect information on my credit report which they had fixed stating that I had missed late payments in which thee payments made, past due, pay status, remarks, maximum delinquency, rating, payment received, and historical trend data were all incorrect on my transunion credit report. I had reached out to the creditor and transition to have this fixed and this is the second time where after it was fixed that out of the blue transunion goes back to having this negative wrong inaccurate information reporting on my credit report. That is severely hurting my credit in which un-allowing me to apply for a home loan. I need this fixed on my transunion credit report as I don't have this issue with the credit bureaus and I will attach the fixed information that was updated in which I don't get why it keeps reverting to the wrong information that is severely hurting my credit.
Consumer complaint received 2020-12-22
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. (IL)

I called XXXX XXXX on XXXX XXXX to see if I could reach a settlement for a delinquent account on a defunct voluntarily repossessed auto. I spoke with XXXX at extension XXXX. She offered me a settlement on the XXXX debt. I accepted and paid it the same day during business hours XXXX XXXX. ) I was expecting the SBA to pull my credit for an Economic Disaster loan for my businesses which were effected by XXXX. I disputed with the credit bureau Experian on the same day or next day. They completed the dispute in 30 days. It came back as verified even though I have documents that it was paid. I called Experian after the 30 days. I spoke with an agent who put the dispute in again this time with my receipt letter. Yesterday XXXX XXXX, 2020, I called XXXX XXXX and spoke to XXXX. She said she will email me a form to submit a dispute directly with XX/XX/XXXX. The damage is done. I believe this is a violation of the Fair Credit reporting act, the Cares Act and possibly others and am seeking remedy. I needed this off of my credit in a timely manor as I am effected by covid-19 and needed to get a Cares act Business Loan and this process has hindered my application process thus my livelihood and survival.
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

this link shows the details ( XX/XX/2021 ) : XXXX Ether : https : XXXX I had a transaction that failed but I still had my money removed from my wallet and never refunded, was looking to get that back please. I reached out the COINBASE but they said I need to talk with UNISWAP, getting the runaround ... XXXX doesn't answer e-mails, COINBASE just points the finger to someone else. .04 Ether was removed from my COINBASE wallet but the " trade '' was never completed yet my money was removed. can you help me?
Consumer complaint received 2020-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I have bought Virtually currency worth several thousand dollars from Coinbase in their platform. They should then have provided access for me to use or transfer my purchases. However, after receiving my payments, Coinbase has closed my access to the account and not letting me using or receiving my purchases. 

They have added a statement on my account saying that " ... you have attempted to log in to your account from a country prohibited by law in doing Business ''. 
However, this is not true at all. I have only accessed their platform either from my home XXXX XXXX ) or office ( XXXX XXXX, XXXX. I'm also the only user of my account on their platform. It's worth mentioning that the purchases were also made via my account which was also verified by them. 

I have contacted them several times via their contact form, emails, and social media ( Twitter ) as well as by post. But I have received no response from them. 

After investigations on their social network accounts,XX/XX/XXXX, and etc, I have found a considerable number of complaints and negative comments about Coinbase that is attempting to take people 's money/purchases with untrue statements, and then ignore the people to provide any response to them. There are many similar cases that you can find them online who have been trying to contact Coinbase for months. 

This suggests that either the Coinbase owners are trying to make unlawful financial gain in any way possible, or their system has an error. But, if the latter, they should have provided an answer and investigated and resolved the issue, in particular, despite my several attempts to contact them. However, they did not respond, and in fact, because of their bad reputation online now and peoples ' comment, it looks that they simply take peoples money/property in any way possible for -unlawful- financial gain. This action is considered fraud. I'm now very stressed now and I can only hope that is not true, and problem can be solved soon. 
I have also, according to XX/XX/XXXX asked them for my data. This is not provided as well. 

I, therefore, kindly ask you to help me and investigate my complaint in this regard. 

Thank you in advance for your work and efforts. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2021-03-09
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. (VA)

I am writing in one last attempt to resolve the issues that I have been experiencing since XXXX, because of XXXX  failure to follow the law. I previously contacted your office and informed you that I am a victim of identity theft, where my information has been stolen and sold multiple times, and used to obtain goods/services without my consent in different areas of the country. 

Additionally, I previously, requested via mail that you block the unauthorized inquiries from my report maintained by your office because they are a result of identity theft and I did not authorize my report to be ran by anyone, nor did I request anyone run my report. 


Fraudulent Account : 1 ) XXXX XXXX Acct : XXXX 2 ) XXXX XXXX XXXX Acct : XXXX 3 ) XXXX XXXX  XXXX  Acct : XXXX Fraudulent Inquires : XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Utilities and fuel Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2021-11-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (TN)

Santander Consumer USA has closed my complaint out and I dont not agree with this action they have in fact discouraged me the consumer I also dont agree with the unlawful adverse actions taken against me the consumer during this consumer credit transaction Santander Consumer USA has in fact deliberately stalked, harassed, and invaded my privacy by using unlawful Gps tracking devices and by having non affiliated persons track my exact geographical location these individuals are not in any type of tow truck vehicles and dont have any business decals on these vehicles they can be seen in regular cars scanning license plates these individuals dont have any license to tow vehicles these individuals are in regular cars driving around following consumers home without any type of search warrants without consent from the consumer without informing the consumer without real proper tow truck vehicles and without a business license required by the United States also police reports and identity theft reports have been filed in Tennessee and Texas for these unlawful individual actions and for breaking state privacy laws in two or more states
Consumer complaint received 2020-12-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-04-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a auto loan through XXXX XXXX that I decided to set up auto pay for. When I added auto pay I was charged twice for the month and thus was a month ahead on my payments. Upon discovering this, I reached out to the bank via telephone. I requested that auto pay simply be turned off for the upcoming month so that the extra payment would be applied and then turned back on the next month. The customer support representative said this wouldn't be a problem. However, the following month it wasn't turned back on and a late payment occurred on my account. When the bank brought this to my attention I immediately paid the late month and the current month. I made mention of my last phone call and they said they don't offer this service and I would be held responsible for the late payment. I have tried speaking with other representatives, managers, and other senior bankers and nobody has been able to help me. I have always been a responsible lessee with XXXX XXXX and all other lenders. I don't believe my credit score should reflect the error of an improperly trained employee of XXXX XXXX. Any assistance with this matter would be greatly appreciated.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

FAY has committed multiple errors covered under 12 cfr 1024.35 ( b ) ( 11 ) when they denied my short sale on a letter dated XX/XX/2022 accusing me of not doing an arms-length transaction. Fay admitted that they never opened up the review on or about XX/XX/2022. They than decided to find a false reason to deny my application so that they can go forward with the sale. They used the same false accusation prior in another application review.
Consumer complaint received 2020-12-20
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. (NY)

XXXX is reporting that my account is late. It can not be late because its been closed and paid in full for over 4 years. XXXX reported to Transunion, XXXX. XXXX  this account is open and late dated XX/XX/XXXX. 2020. This is inaccurate and fraudulent and hurts my credit growth. This must be stopped and my credit report must be updated correctly.
Consumer complaint received 2019-06-28
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

I requested that XXXX XXXX XXXX send me a copy that I owe them {$430.00} dollars. That I took out a credit card with them they said they dont have to verify the debt owed.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have XXXX different claim complaints numbers because my card was being used by someone else without me knowing until it was too late. It happened mainly in between XX/XX/XXXX to XXXX XXXX, I shut the account down but by then it was all gone. In the month of XXXX I had {$18000.00} deposited into my account. When I shut it down on XXXX XXXX I only had {$660.00} left. I have no idea who it was and the bank will not give me any evidence to hold anyone responsible. I asked for camera pictures of the atm withdrawal or anything at all for them to decline my refund and they will not. I did go to police and the police in my borough didn't do anything to help either. I called state police and they told me there's nothing they can do. No one will help me! One of the " atm '' withdrawals were addressed to a residential house in a different county and still they can't tell me anything about it. I had my card the entire time but they are saying my card was present for all the transactions and atm withdrawal but that IS IMPOSSIBLE! I HAD MY CARD ENTIRE TIME! Another reason I was not aware of it being used unauthorized. I need someone to help me! I need someone to take me serious! Please...