davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

I received an alert from my credit monitoring service and Capio Partners LLC is  erroneously reporting a debt in the amount of {$180.00} for an account opened on XX/XX/2019. I have no knowledge or relation to this company. I have never received any correspondence from this company. I have no idea who Capio Partners is and they are negatively impacting my credit report and scores.
Consumer complaint received 2021-12-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Blockchain.com, Inc. (OH)

Blockchain.com this is my ticket # XXXX that I sent on XX/XX/XXXX and not one response back this ticket sums everything up! Where do i even begin?! So I first verified my account so I could swap deso for btc then after I do that you say I need to verify again so I send all docs in perfect clear condition and i get my 2nd congrats email saying im FULLY GOLD VERIFED so I log on to app because I want to send my btc to another wallet but guess what yep you guessed another verification! So i send docs back in FOR 3RD TIME and get email back saying CONGRATS YOU ARE NOW FULLY VERIFED GOLD LEVEL YAY! So that's XXXX XXXX and XXXX ive received emails saying CONGRATS FULLY VERIFED GOLD! Now im thinking finally can send my btc because you have been holding my funds hostage for almost two months and ive lost around XXXX dollars so far becasue of this hostage situation. Well i go to send btc for a 4th time and get he error please contact support you need verified! WOW!! So i send docs back in for a 4th time and now you have simply ignored me and havent heard from you in 3 weeks! Ive had a ticket in since XX/XX/XXXX and not one response besides the bot response saying you got my ticket! This is UNREAL I don't know how in the XXXX you get away with such TERRIBLE businsess practices but this is uncalled for! On top of that I am verified XXXX ( atleast app says I am ) so I should be able to send and recieve {$1000.00} dollars of btc and swap the {$1000.00} dollars crypto to crypto per month ( NEED GOLD TO SEND HIGHER AMOUNTS ) well you guessed it swap dose n't work nor does sending btc lower amount get error please contact customer support! So please verifiy my account for the 4TH TIME FOR REAL THIS TIME SO I CAN SEND MY BTC TO ANOTHER WALLET! I have 3 emails of proof my account has been verified 3 times!!! You have held my money hostage long enough! Please be a good business and fix this!
Consumer complaint received 2017-06-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

In XX/XX/XXXX my XXXX XXXX XXXX mortgage was sold to Carrington Mortgage with minimal notice. Upon transferring the mortgage that was in good standing and finally receiving the papers from Carrington Mortgage my loan was immediately anylized by their escrow department and my payment was raised. I called Carrington Mortgage and was told that the reason for the additional charges were because they placed an escrow coushion of the most charges allowable by law. I requested they remove it stating that XXXX XXXX XXXX did this every year but immediately removed it when asked. Carrington Mortgage  refused. Every month since then I have been repeatedly badgered with phone call after phone call every single month. 3-4 or more times per day every day shortly after the XXXX of each month. According to my loan documents my payment becomes due on the first but has a grace period of 15 days and that said, my mortgage is paid every month between the XXXX and before the XXXX. In XX/XX/XXXX, I received a paper in my statement saying that unless I set up automatic payment I would be charge for online payments or phone payments and as much as {$20.00} for a representative to process a payment. I initially set up auto pay and called several times to check to see if it was activated and it never was. On XX/XX/XXXX I spoke to a representative on the phone and it still was not set up. I voiced my concern and dissatisfaction about the whole forced auto pay situation and she told me that since I live in North Carolina I was exempt and they could not leagally charge me for a payment that I made online myself. I told her that it was never disclosed or explained to me in any of the previous calls I made and she said that they are not supposed to tell people that. Now I am being bumbarded with calls. Tonight XXXX I answered and the representative asked me a series of questions including asking if we still hold keys to and occupy the property. Again I have until the XXXX to pay my mortgage so I asked why he was asking the questions. He said my mortgage was late and I had to pay it with him over the phone. I told him that he could check the history that my payment have never been late and I already had the payment set up on line. He was extremely condescending and said do you know when your mortgage is do? I said of course I do and he said when? I said it it do the first and I have till the XXXX the to pay and have always paid b4 the XXXX he just kept repeating due when over and over. I told him that I was tired of the constant phone calls and badgering and I did not want them calling me again and that I had stated that already and hung up. I was so furious and insulted. The commission should XXXX the company and read the nightmare of reviews from hundreds of people that have had the same experience as myself. All from people who had no choice but to deal with Carrington because their loans were sold by XXXX XXXX XXXX and Other Banks. This company should be shut down!
Consumer complaint received 2021-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I Sent Transunion a letter disputing the validity of the bankruptcy they are reporting on my credit report, They responded with a letter stating that they " verified '' this item with XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. 


I then went back to Transunion on XX/XX/2021 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified with 30 days.
Consumer complaint received 2021-12-11
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. (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file. 

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 XX/XX/XXXX
Consumer complaint received 2023-11-28
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

This debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On XX/XX/XXXX, my husband deposited two checks into a joint account we have togther, one was overage from a title company and one personal check. Both checks were held for review ( not out of the ordinary ) so we waited. On XX/XX/XXXX, my husband tried to login to our bank account and gets a notification that the account has been frozen, not allowing us to withdraw funds. He called USAA to find out what the matter is and he is told the checks were being held for review and that the process takes 3 days and to wait till Monday for it to clear. He call Monday XX/XX/XXXX, account is still frozen, told to just wait longer. I also called, and they would not give me any information about how long we would be without funds and said that it was with the fraud department. Call XX/XX/XXXX, told to just wait longer. Keep in mind, the two checks aren't the only funds being held, it's all of his funds. Why is all of my funds being frozen if they were investigating the checks? Also, if they were investigating, why didn't they contact me? Why did I have to contact them to find out this information? Still awaiting resolution to this, and as of right now, we don't have any ability to take out money from my bank. They have given us no information as to what can be done to resolve this, and on top of that they keep saying they are investigating " attempted fraud '' which is downright insulting that they would automatically assume my husband was committing fraud, before a full investigation. 

My wife and I have been taking turns calling up USAA to get our account unfrozen. I doubt this will hasten the account to be unfrozen but it is cathartic to vent. Although both checks have cleared into our account, we are unable to access $ XXXX of our own money!
Consumer complaint received 2021-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

These collection accounts were not investigated properly, or at all by Experian and XXXX. XXXX has deleted. I need for Experian and XXXX to follow suit. They are also UNABLE to provide me with a method of investigation per FCRA 611. 
XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Also, XXXX is reporting a company without a name on my credit report. There is no information on this company. Who are these people? 
( Original Creditor : ) Account # XXXX
Consumer complaint received 2021-12-11
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)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code XXXX681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Consumer complaint received 2021-12-11
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. (GA)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Consumer complaint received 2022-03-27
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. (FL)

There are several incorrect accts/ items showing up on my credit report I've reached out to all 3 credit bureaus over that past year trying to get this issue resolved.I even placed fraud alerts on my accounts and I've also sent in my police report to XXXX. I have stated and put in writing that the following items on my credit report do not belong to me and I was a victim of identity theft. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX, XXXX and Equifax. XXXX XXXX ( XXXX and XXXX. XXXX XXXX ( XXXX and Equifax. XXXX XXXX XXXX ( Equifax ) XXXX ( XXXX AND XXXX ) XXXX XXXX XXXX XXXX  ( XXXX and XXXX. I've tried to resolve this issue over and over and nothing is being done. I'd like these items removed from my account immediately.
Consumer complaint received 2019-08-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: EVERBANK, NATIONAL ASSOCIATION (AL)

TIAA Bank is not responding to my secure messaging communication regarding maturity instructions for my CD, which matures today. When I log into the online banking on TIAA 's website, I see that they are trying to set a new maturity date in 2024. I have provided instructions that the CD is to be paid out at maturity which is today. Concerns me that the bank disregards my instructions and ignores my contact attempts.
Consumer complaint received 2021-12-11
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. (MA)

When they ask you to write in details about the complaint : I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via XXXX certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their XXXX allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my Equifax and XXXX reports as well so in order to correct the inconsistencies between the XXXX, Equifax, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$770.00}
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC (PA)

This below is on my Credit report and I have never had an account with XXXX. I called to report to XXXX as fraud and they want a police report? I googled and started reading about reading about SEQUIUM collection adgency who now if looking for me to pay, and others have had false reports from XXXX placed on their credit report as well. This has effected my credit report. 

Overview You have 100 % left to pay on this collection. 

Balance {$4100.00} Highest Balance {$4100.00} Opened XXXX. XXXX, XXXX  ( XXXX XXXX ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX  Closed No Info See an error? 
SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

DISPUTE AT XXXX Creditor Information SEQUIUM ASSET SOLUTIONSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (IL)

I currently have a XXXX XXXX American Express card that is assessing me a {$450.00} annual fee with a {$1000.00} credit limit. The annual fee is 45 % of the credit limit, therefore a violation of the credit card act of 2009 that requires fee 's not exceed 25 % of a cards limit in the first year.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I submitted a letter to Equifax, XXXX, and XXXX on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a response.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Data Search NY, Inc. (MD)

I opened a XXXX XXXX  account a while ago that charged off. Since then the account was placed with Trak America a collection agency. The account was sent by them to XXXX XXXX XXXX. I have been trying for a week or so to reach them regarding the debt but they dont answer and they dont call back. I have brought this to the attention of Trak America 3 times and they have failed to tell me how to resolve if the debt is placed with a non communicative attorney. 



XXXX XXXX XXXX XXXX XXXX XXXX  They have conveniently removed the complaint tab from their site
Consumer complaint received 2022-12-15
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed the items below with the credit bureau 's but they did not remove then. 


XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Consumer complaint received 2021-12-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-11
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: Carvana Group, LLC (TX)

I placed a fraud alert on my credit report on XX/XX/2021 as I noticed several credit inquiries on my credit report. 

Several credit providers rejected the person trying to use my identity. Only one extended credit, Carvana. They sold the person a car and provided him/her a loan on XX/XX/2021. Approximately {$35000.00}. 

I have contacted Carvana several times. I have filed a police report, but they don't like the format. They refuse to remove the item from my credit report. It now shows as delinquent. They want me to jump through several hoops ( including having the police department do things I can't make the do ) before they will remove it. I plan to buy a house in the near future and they are impacting my credit negatively ( my XXXX score dropped over XXXX points ). Carvana has very poor controls and it is impacting consumers.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I opened a savings account at Chase in the middle of XXXX. I deposited {$600.00} into it. A few days later I wasnt able to access the account, so I called and they said they were closing my account and a check would be sent out in XX/XX/XXXX. After 2 weeks of not receiving the check I have gone into a chase branch 4 times to either verify my address, identity, or get an update as to where my check is. It has been just about 2 months and I have not received my money and I have not heard from Chase Bank in over a week as to where my money is or when I am getting it. I have done everything Chase as asked me to do but I have still not received my {$600.00}.