davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (LA)

This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Consumer complaint received 2019-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I received the IRS audit as to XXXX transaction and XXXX company reported {$74000.00} as the gross receipt on the form XXXX XXXX but my total receipt was less than {$10000.00} To fix this issue, I have called and emailed but no one answered.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX  XXXX, OK, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ, XXXX
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION (FL)

XX/XX/19 I had a direct deposit of $ XXXX deposited. 
XX/XX/19 the $ XXXX direct deposit was available in my checking account. Around XXXX I paid some Bill 's via ACH/account number. I attempted to pay a person/company I owed {$770.00} through XXXX. ( The bank policy says you can send up to $ XXXX per day ). The transfer deducted from my balance, but was pending. The transfer, a few minutes later, gets rejected. I then stop making attempts and log off. 
XX/XX/19 I log on to make sure the Bill 's I paid were deducted only to find my online access is locked, I call and phone access is locked as well. I can not reach anyone live so I call a local branch and the rep woman has an attitude and wont give any info on what's going on with the account. They never sent an email, voicemail, call, text alert, online notice or message and no written correspondence. 
XX/XX/19 all of the Bill 's I paid via ACH are returned NSF and I am charged {$35.00} fees on all of those Bill 's even though I had {$4000.00} available and did not go over paying the bills. 
They closed my account and never mailed me my {$4000.00}. I still have not gotten even a letter saying their intent to close my account or my money that was direct deposited.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting a balance on an account and updating that I settled back in 2017. I have and have attached a deletion letter I received stating this account is settled and should be removed. There is no reason for it to still be updating on credit and it needs to be removed.
Consumer complaint received 2023-04-03
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 am writing to request that you remove the following inquiries from my credit report : XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

On XX/XX/23, someone was able to open a Capital One Performance 360 Savings account in my name. I have already frozen my credit with XXXX, XXXX, and XXXX. I had also placed a freeze with XXXX XXXX ( initiated XX/XX/23 ). 

Please stop allowing anyone to an open account in my name. This is the fourth time this has happened in the past year or two ( x3 with XXXX XXXX XXXXXXXX ). This is ridiculous. Is there nothing I can do to protect myself? Every time this happens it costs me hours of time on the phone.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NJ)

I have had my Delta American Express Card for a few years and they refuse my request for an increase every time I have not had any negative activity on this card I have made all payments and kept them in good standing, They use a bankruptcy from 8 years ago as one of their reasons which makes no sense because why give me the card in the first place
Consumer complaint received 2019-07-23
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. (CA)

My data has been breach since XX/XX/XXXX XX/XX/XXXX and I still have not receive help by people that back my information scammers acting like I won an award and also my information was breach with XXXX and the three bureaus where my data was hack. I would hope to get help people using my information to get credit cards and ruin my credit history and use my social security and other data that should had been protected by the three bureaus and ftc.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXo XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (MS)

I was robbed and was told I would be compensated for the faulty system that was installed and it never called the police. Never alerted me and was told that the head office will credit me for this faulty system its 's been more than 2 years I never got the credit promised for payments made for a faulty system. I called XXXX on several occasions trying to resolve the bill each and every time they would place the money I paid on another account and would always cross two accounts into one I would pay my bill and then a week later find out I still owed more money than the last week that I paid. They would take the money I paid and add it to another account and sometimes bill two people for the same bill. They would even bill someone that does not have an account whose contract had ended years ago and reactivate the account in order to get payment. Billing two people at the same time for a bill in order to get money. I called on numerous attempts for a break down of payments only to never get it I requested credit for installation of new equipment would not get it. They would install a system and refuse to come back and maintain it less than a year or even a few months of install wanting the customer to pay for their mess up and charging for any problem with their system. XXXX refused to come out and repair their faulty system refuse to upgrade smoke detectors and would bill customer for their yearly upkeep and would never maintain new upkeep and constantly wanted payment for out dated systems or smoke detectors that should have been replaced years prior. They would say they are not charging then add the service of their system to your bill and when you would dispute it immediately put you in collections and demand payment XXXX needs to be looked into for reactivating old accounts putting customers in collections for service on their system which they refuse to maintain or upgrade. Charging customers for issues due to their mistake. XXXX is fraudulently reactivating unsigned accounts without the customers signature nor authorization and adding upgrade to a non upgraded system. Billing people and ruining their credit who no longer have an active account. Say that they are coming back and it won't be a charge then charge large amounts to the account without the customer signature or authorization. XXXX is notorious for taking advantage of the customers trust in safety would install a system that is faulty and want full price even after the customer has been robbed due to their faulty system. Charging for dysfunctional cameras and also service calls that they should included in the service due to storm and bad weather which is not the customer fault but somehow the bill is being billed.
Consumer complaint received 2019-07-23
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. (TN)

. I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (OH)

Around late XXXX, early XX/XX/XXXX, Credit Collection Services XXXX CCS ] ) was contacted at XXXX as a response of 50 % settlement reduction offer. At this point, CCS has been servicing two files for XXXX XXXX well over a year. I used to receive monthly Letters for each of these files, however, one of the files had my First name spelled incorrectly, XXXX, instead of XXXX. During the call the representative stated that settlement was only applicable to the XXXX XXXX with the balance of around {$160.00}. After a lot of back and forth, it was agreed that the settlement reduction offer will apply on both files. The balance on File 1 was around {$160.00}, file 2 balance was a little over {$500.00}. The Payment was taken over the phone and two transactions from CCS were deducted from my bank account, which was well over {$300.00}. Phone calls, and text messages has stooped since that payment, and a boost on my credit score was noticed. However, around late XXXX, I received an Alert from XXXX XXXX indicating that my collection balance has gone up. Then, on XX/XX/XXXX I began receiving text messages from CCS pertaining to reference XXXX, which belongs to the XXXX XXXX file settled over the summer. The balance is, again, over {$500.00}. CCS was contacted today, XX/XX/XXXX, however, an amicable conversation was impossible. Even though I explained in detail that this particular file, and a second one from XXXX XXXX was already taking care of, the representative did not acknowledge or research this. Instead, he stated that the have not heard from me since XX/XX/XXXX and that there was only one XXXX insurance file taking care of, valued at {$160.00}. Dealing with this company is quite challenging, and based on the representative behavior, this balance was owed, period. I find it interesting that since this file resurfaced, I have not received a physical statement from CCS. Besides todays call, text has been the only method of communication. From CCS. Please help!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I want to do a short sale, but SPS ( select portfolio ) is forcing me to be reviewed for a loan modification ( which i do not want ). They told me the review would take 30 days and I should have a response by XXXX-XXXXXX/XX/XXXX19. Its now XXXX-XXXX-19 and SPS told me this review was still " pending ''. 

I want SPS to just review me for a short sale so I can sell this home.
Consumer complaint received 2019-07-23
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: DISCOVER BANK (CT)

I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2018 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( s ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

All accounts were removed except " DISCOVER FIN SVCS LLC '' in the amount of {$1500.00}. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in which I have not received. 

I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victims Complaint and Affidavit. 

This account is not mine and I am requesting that it be removed from my credit report.
Consumer complaint received 2019-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

XXXX XXXX has a charge on my ( 3 ) Credit Report for {$3600.00} for a Credit Card debt. I never had a XXXX XXXX Credit Card. 
In XX/XX/XXXX this account was open ... In XX/XX/XXXX it was removed. 
In XX/XX/XXXX. XXXX it again report on my credit report as me opening it. 
Then it was reported to XX/XX/XXXX it was reported on my credit reports. 

The reference number under Cach Llc/Resurgent Cap is XXXX Balance {$3600.00} Original Creditor : Not Available COLLECTIONS XXXX ( XXXX XXXX XXXX XXXX ) Act. # XXXX Opened XXXX Reported Closed Condition
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — Store credit 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. (KY)

On or about before XX/XX/XXXX, I called Best Buy to have my lab top fixed with XXXX  XXXX. I open up a program with XXXX XXXX in XX/XX/XXXX until XX/XX/XXXX. I called Best Buy before XX/XX/XXXX to end the program the day the work was done on my lab top and informed them I know longer wanted the program. 

However, they still billed me for XX/XX/XXXX, the day it ended, they also billed me for XXXX, and XXXX. I spoke to some many different people, XXXX, stated he saw the error in the system, but could not fix it states city bank had to fix it. Called city bank they could not fixed. Called back to best buys switch to several different people, when I complained the date was changed in the system with the code XXXX. 

When I spoke to some one by the name of XXXX she refused to give her ID number or last name. These are all the people I spoke to XXXX, XXXX XXXX, XXXX, XXXX, mgr. was very nice, XXXX, XXXX, XXXX would help but takes 6 weeks. In the meanwhile my bill is {$90.00}, that is due XXXX. BestBuy ( XXXX ) a,
Consumer complaint received 2023-03-04
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Multiple Charges For Services Such As XXXX Would Be Charged To My Account They Would Refund The Money And Take It Back. Services Was free Long As I Had Direct Deposit And I Still Would Access A Bank Fee So I Closed The Account.
Consumer complaint received 2019-07-23
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: SUNTRUST BANKS, INC. (VA)

I had attempted to modify my Suntrust accounts in 2013 at that time I had never missed a payment, they would not look at a modification unless I was late, they suggested to miss a payment and then file the modification application and they would not report my credit file as a missed payment. I did as they said and now all these years later I see a missed payment mark on my credit file and want it corrected.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America is charging overdraft fees of {$35.00} when there is clearly enough funds in the account to cover a posted item. This has happened twice in the past week, the latest time causing my account to be overdrawn.
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I understand FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts are incorrect, and it's unsettling for me.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.