davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
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. (TX)

I have repeatedly asked that this incorrect information be deleted from my credit report. I have asked for the original contracts with my signature to verify these loans be delivered to me but I have not received anything! I submitted a complaint and got a status report with a first name different than mine. XXXX XXXX. 

I would like these accounts that are over XXXX XXXX XXXX to be removed from my credit report ASAP OR I WILL BE SUING XXXX. I HAVE ALSO ASKED THE CREDIT BUREAU TO REMOVE THE ADDRESS OF XXXX XXXX XXXX BECAUSE IT HAS NOT BEEN MY ADDRESS FOR OVER 3 YEARS AND THEY WILL NOT. 
I AM FED UP WITH HAVING THIS INCORRECT REPORTING ON MY CREDIT FILE. 


XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$36000.00} Status Open/Never late. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$40000.00} Status Open/Never late.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have repeatedly asked that this incorrect information be deleted from my credit report. I have asked for the original contracts with my signature to verify these loans be delivered to me but I have not received anything! I submitted a complaint and got a status report with a first name different than mine. XXXX XXXX. 

I would like these accounts that are over XXXX XXXX XXXX to be removed from my credit report ASAP OR I WILL BE SUING XXXX. I HAVE ALSO ASKED THE CREDIT BUREAU TO REMOVE THE ADDRESS OF XXXX XXXX XXXX BECAUSE IT HAS NOT BEEN MY ADDRESS FOR OVER 3 YEARS AND THEY WILL NOT. 
I AM FED UP WITH HAVING THIS INCORRECT REPORTING ON MY CREDIT FILE. 


XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$36000.00} Status Open/Never late. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$40000.00} Status Open/Never late.
Consumer complaint received 2022-06-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Western-Shamrock Corporation (CA)

This account is fraudulent and was opened from someone who broke into my vehicle and stole my person information. I do not owe any of this debt because it is FRAUD. To my understanding the debt was charged off and it wasnt to my knowledge until 2021. This account from my knowledge is from TEXAS. Ive only lived in the state of California.
Consumer complaint received 2022-03-04
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. (IL)

I have previously disputed with transunion, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2018-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

My account was disabled/locked on Coinbase. 

I did a couple of transactions in the past and everything was fine. 

The problem I had today ( XXXX of XX/XX/XXXX) was the first time I was facing a account block. 

I bought approx 1.16 ETH ( round about 750 EUR ) After that the ETH was added to my Coinbase wallet. So far so good. 
After that I have tried to transfer my 1.16 ETH to my ETH wallet adress ( external Wallet ) and I did the withdrawl on Coinbase. 
After that I got an Email which says that the transfer is delayed and will take 72 hours. After that I have used the Coinbase option to accelarate the transfer by uploading my ID, Passport and a selfie of me. And thats what I did exactly. 
After that my account was disabled. 

No response from Coinbase at all. On the phone they told me that they dont know why my account was disabled ... But I got an case number -> # XXXXXXXX XXXX XXXX
Consumer complaint received 2018-05-15
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: Yamaha Motor Finance Corporation USA (FL)

I didnt authorize any of these 4 inquires.I called the credit agency and they could not inform me who input my information XXXX  XX/XX/XXXX XX/XX/XXXX Bank Creditor Contact Details XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX See something wrong? 
Find out how to dispute a hard inquiry. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-04
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. (IL)

I have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2018-05-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

Since XX/XX/XXXX I've been inquiring of my mortgage servicer MyLoanCare/ XXXX XXXX XXXX /XXXX XXXX to provide me copies of my loan modification documents. They modified the loan by lowering my monthly payments after going through a long short sale. I've spoken with them over the phone and sent several emails with specific questions related the note, amortization schedule, deferment and related requests. 

To date they have yet to provide me a copy of my loan modification documents or answer all my requests and questions even after reaching out to a number of their employees and contacts.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (IN)

In XX/XX/XXXX I received a letter from the XXXX County ( IN ) Clerks Office that a judgement had been ordered on behalf of Midland Credit Management , Inc. We got this debt paid off & received a letter from the law offices of XXXX , XXXX , XXXX, XXXX  XXXX XXXX XXXX . The letter was dated XX/XX/XXXX & signed by XXXX XXXX XXXX, XXXX, IN office. The letter states " As attorney for the creditor on the above account, I certify that the above account has been settled. '' I am trying to purchase a home. The closing title company shows this as an open debt being reported still by the XXXX County ( IN ) Clerks office. I have been trying since XX/XX/XXXX to get this resolved. MCM agrees that the debt is settled but can't seem to get anything to the title company or the clerks office. We have had to re-scheldule the closing twice. Next closing is set for XX/XX/XXXX, assuming this matter is resolved. The title company has three pages of notes from talking to numerous supervisors at MCM. The only thing they are told is yes this debt is settled but the paperwork takes time. Remember, the letter from MCM 's attorney is dated XX/XX/XXXX. 
Can you help???
Consumer complaint received 2020-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques (CA)

The debt they are trying to collect was dropped from my credit report and I did not receive a letter within five days of reinsertion. Due to this this company has been harassing me and filed a lawsuit against a debt that is not mine. It was dropped by collection agency on XX/XX/2019.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (NM)

This account was opened by my ex-wife. At this time, we did not even know each other. We did not get married until XX/XX/2009. I never signed for this credit card, charged anything to it, or accepted any type of financial responsibility for it. My ex-wife filed for bankruptcy, this account was included in that. It wasn't until then that the company attempted to collect from me. My credit it flawless except for this and one other account with the exact same circumstances.
Consumer complaint received 2022-03-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (SC)

I have tried numerous times to reach out via disputing on my credit report a collection of XXXX on an auto loan I took out years ago. I had gap insurance and was told when I financed with XXXX XXXX the gap insurance would take care of any balance on the car if total loss. However I see on my credit report where I owe a balance when I shouldnt. Security Credit Services failed to verify debt verification or original signed agreement and a balance on acct from XXXX to present. I want this debt off my credit report.
Consumer complaint received 2018-05-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XXXX XXXX XXXX consistently contacts me regarding a debt that has been settled for over 7 years. I have blocked all of the phone numbers that come thru, most recent number was XXXX. They have called me as early as XXXX XXXX and on Saturday 's and Sunday 's. At one point they were calling me 7-9 times a day. As this has been going on for the last 10 years, I have finally reached a point where it needs to stop. When I call them to tell them that it has been settled and to take me off of the list, they place me on hold and then hang up on me. I have spent too many hours on the phone trying to get this taken care of.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

They said that all reporting on accounts takes up to 45 days. I let them know it's been over 45 days and they sent the same thing. Nothing had been updated to the credit bureau. I have 4 different accounts with them that all have been paid off in full for months and they have not updated anything.
Consumer complaint received 2022-03-04
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. (MI)

Know that the following inquiries were unauthorized. I have not reached out to any of these companies nor inquired about anything. There must be something wrong with TransUnion 's investigation which they should eventually correct. Please see the inquiries that are unfamiliar to me. 
XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiryXXXX
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc. (NY)

My debt was with ny and company i.owed money to the card.they transferred it to XXXX XXXX or XXXX XXXX i made a settlement with them and paid it off its still shoeing on my report I owe ny and company and XXXX XXXX not true. Ita all been paid I would like it off my report.
Consumer complaint received 2018-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC. (NJ)

I called SunTrust to close my checking account as I moved and the closest SunTrust is over 3 hours away. They refused to close my checking account over the phone. They said that because it had more than {$100.00} dollars there was some kind of security confirmation and they asked for my phone number. Then they said even though the number matched the one on my account and they could see it was the phone I was calling them from that it didn't pass their " third party verification '' test. My cell phone plan is in my wife 's name so apparently that fails the test despite the fact that she is also on the checking account. I told them to just close it and send a check to the name and address registered on the account that's been the same for more than a year. They refused. I asked them to do their extra security verification in any other way since their " third party '' cell phone number verification was not working. They refused. I got a manager on the phone and she also refused to close my account. They stated that I would need to withdrawal all the money so that the balance was under {$100.00} dollars or they wouldn't close it. There is a {$3000.00} min balance on my account so doing that would likely result in generating a fee, but they didn't care. The manager told me the only way to avoid the fee would be to change my account type, but the new account type came with a $ XXXX monthly fee. She said if I hurried then I could remove the money and close the account to avoid the fee. This is very unacceptable in my opinion. No bank should be able to refuse to close an account in good standing and proceed to make the customer jump through hoops to hopefully get it closed and avoid fees.
Consumer complaint received 2023-03-11
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. (MS)

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 USC1681. 

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  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 a account without my 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 ) 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 2021-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

XXXX sold an alleged debt on XX/XX/2021 to ERC in my name. Once I saw this on my consumer report I disputed it and asked for validation and they removed it on XX/XX/2021 because it doesn't belong to me. However, ERC knowing this alleged debt is unverified, then sold it to XXXX XXXX on XX/XX/2021 ( when it appeared on my consumer report ). This is a violation of my consumer rights to notification of alleged debts before being placed on consumer reports to allow for validation of the alleged debt, lack of privacy of my personal information, lack of consent to give out my personal information to XXXX parties ( identity theft ) and lack of reporting accurate information to credit bureaus. XXXX, XXXX and XXXX are all reposting this illegal, unverified and alleged debt.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The unverified account indicated below continues to report on my credit report despite the written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$4100.00}
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MI)

My husband and I had a lease with Ally from XXXX - XXXX. The lease paid off early by our insurance company in XX/XX/XXXX. Ally started reporting Collection/Chargeoff on our reports for XXXX and XXXX of XXXX My husband called to rectify the issue. Ally fixed the errors on all the Reports except for my XXXX where it is still Collection/Chargeoff and is hurting my credit dearly.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-04
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-12-16
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: Byrider Franchising, LLC (TX)

Endless issues with this company : - account manager hardly assisted when i needed help with my loan due to illness.

-after i realized i couldnt afford it i voluntarily surrendered and dropped off vehicle myself.

- account manager ran my credit AFTER i was no longer in possession of the vehicle and she didnt have my permission nor right and just ran it at her own decision.

-after it ended up on my credit years later i reached out to take care of the difference and they informed me i couldnt make payment to them and referred it to a third party collection but let me know that once the collection was paid the third party AND CNAC would come off my credit entirely and the third party and after arguing with them it was removed ONLY TO BE PUT BACK ON MONTHS LATER DROPPING MY SCORE 75 POINTS.

-called back and they informed me that they have no authority over credit bureau and i need to contact them which i have as well as disputed it and every time the bureaus send my dispute over they deny it and the bureaus leave it on there.

-called and spoke to manager XXXX and she informed me she would look into this and how to get it taken care of. I call back as i hadnt heard any updates only to be told she is actually not in and wont be as she is on vacation for the entire week. 

-I am getting the run around and no one is helping me and they not only violated my rights by running my credit but they also lied to me about it being removed and now they are not helping me or answering my questions and no one has called me back. This company is manipulative and lies and just passes the buck and i need it resolved ASAP before I take legal action on the matter.