davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (CA)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the XXXX Report XXXX, you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2022-07-19
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)

I instantly called Equifax the moment I received the copy of my report that I purchased with XXXX dated XX/XX/2022 and from the time when I saw some UNVERIFIABLE items on my personal profile, I discovered that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile but still youre not taking any actions. XXXX of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with these items listed below, so please help me remove this CHARGE OFF, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (MI)

The debt collection agency is Phoenix Financials Services. The debt collector had previously removed accounts due to insurance paying them. They have re-inserted two files back onto my credit report. They did not notify me at all regarding these re-inserts. The original dates of services from the hospital for these two disputes are XX/XX/XXXX and XX/XX/XXXX. I had Medicaid at  the time of services for both. One account is for the amount of {$360.00} and the other account is for the amount of {$390.00}. I have filed disputes with XXXX and XXXX.
Consumer complaint received 2023-07-15
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. (TX)

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

The letters are stated with items and issues. 

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 2019-01-03
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: Credit Karma (MS)

I keep reporting the same issues every month with the improper use of my credit score. You continue to allow these people to fraudulently use my information. Changing my credit score to XXXX to XXXX Ill be getting a lawyer. I no who is responsible I promise it will stop. One I get legal proof Ill go from there
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

I did not know of this debt until I check my credit score on XXXX XXXX, It show I did not pay a debt from XXXX of {$610.00}. I never recieved a bill from XXXX or a notification from Sequium Asset Solutions about a debt collection. I think it maybe fraudulent account or identity theft. 

SEQUIUM ASSET SOLUTIONS, XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this collection account. 
CONTACT INFORMATION SEQUIUM ASSET SOLUTIONS, XXXX, GA XXXX SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/2019 {$610.00} Open balance XXXX XXXX Original creditor I have no documentation showing this bill.
Consumer complaint received 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CA)

I already filed a complaint and feedback. I am not satisfied with the Servicer 's response and I want a re-file and continuation of the complaint as they have not addressed the root of the issue! Please see my feedback in your system and open a continuance of my initial complaint. 
Thank you
Consumer complaint received 2019-01-03
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. (CA)

I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? 
I attached with it all the relevant documentation as evidence/proof of what i was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. 

This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. 
For yet another time, the following accounts are erroneous : XXXX XXXX XXXXXXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$260000.00} XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, XXXX Credit Limit {$3500.00} XXXX XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$1000.00} XXXX   ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2600.00} XXXX XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00} XXXX XXXX ACC XXXX, Date Opened XX/XX/XXXX, Credit Limit {$2000.00} Attached herewith are : 1. The dispute letter I sent to this company on XX/XX/XXXX
Consumer complaint received 2023-07-14
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2019-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MI)

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
Consumer complaint received 2019-01-03
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)

Ive been contacting equifax and XXXX XXXX every other day trying to have them update an account that was opened fraudulent i sent equifax as per there request a copy of my police report documents showing the account is not mines and yet equifax never update my account each document they receive they start my investigation Over from the date the documents is received XXXX XXXX advised me on XX/XX/XXXX they could not removed the account it had to be removed from equifax. I have gotten nothing but the run around from these two companies i spoke with XXXX on XX/XX/XXXX from equifax she advised me the report would be updated that was just away to get me off the phone
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit reporting companies are reporting addresses that are wrong that not mines they have some hard inquiries that I never did and the credit reporting company all three have incorrect information about my address and some closed accounts when I look at my credit report they have phone numbers on there that's not mine
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (GA)

I sent a letter to RentDebt Automated Collections , LLC. Requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted. I have no known relationship with Rentdebt Automated Collections LLC. i am unaware of how they obtained my personal identifying information without my knowledge and/ or consent.
Consumer complaint received 2020-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I live in XXXX XXXX, tried to use my debit card at a grocery store and it was denied even though I knew I had money in my checking account. Checking my transactions, there were transactions all around {$100.00} from a XXXX gas station in XXXX XXXX that drained my account all the way to {$0.00}. I submitted a claim to Bank of America immediately, and they credited my account. Over a month later, I received a letter that they were denying {$600.00} of the {$850.00} in my claim.
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

Coinbase charged me debit card fee on buying crypto currency in the XXXX. In the XXXX its illegal for companies to charge a fee for using their debit card for any purchase. This law came into force on the XX/XX/2018. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Acct No. XXXX, has violated my rights. 

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-27
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: AMERICAN EXPRESS COMPANY (CT)

I recently reviewed my XXXX credit report and noticed Inquiries which I did not give authorization. The inquiries in question are as follows : AMEX bank credit cards. Inquiry date XX/XX/XXXX XXXX bank credit card. Inquiry date XX/XX/XXXX XXXX  XXXX XXXX XXXX credit card Inquiry date XX/XX/XXXX XXXX XXXX XXXX bank credit card. Inquiry dare XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX bank credit card. XXXX date XX/XX/XXXX XXXX bank credit card. XXXX date XX/XX/XXXX XXXX XXXX XXXX reseller. XXXX date XX/XX/XXXX XXXX XXXX  reporters. Inquiry date XX/XX/XXXX I have reached out to the companies who pulled my credit report as well as XXXX to resolve this act of FRAUD, but to this date I have had no resolution from either party. I want these FRAUDULENT, unauthorized inquiries to be deleted from my XXXX credit report. They are damaging both my credit rating as well as my fear of being a victim of Identity theft.
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (ID)

I made a squareup account to take business payments. Over about 7 days I got just over {$50.00} worth of payments. I then added my card so I could transfer the funds out ( I like using a specific account when buying supplies ). That is when Square locked my account saying it would only be a business day or two just to verify that I am me. That was on either the 5th or 6th of XX/XX/2023. I've waited and when it didn't end I've reached out to their customer support who tell me to wait 1-2 business days, say they can't help, ignor me or blow me off when I ask to speak to a supervisor, or send me fake links.
Consumer complaint received 2020-12-17
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. (SD)

In XXXX i as an account manager on the account opened by my wife with whom I separated in XXXX XXXX XXXX is the individual who opened a XXXX XXXX XXXX XXXX card and a XXXX XXXX XXXX card. I was added as an authorized user at one point. In XXXX I removed myself off the two accounts. I was advised by XXXX XXXX credit Bureau department that I was no longer on the account and that I was not responsible for the debt as an authorized user, and since I was removed from the account and no longer an authorized user not responsible for the debt. I filed for divorce in XXXX. The account was not paid on by XXXX the account is past due and despite being past due since XXXX on both accounts XXXX XXXX is reporting incorrectly that I am the individual on the XXXX XXXX XXXX XXXX XXXX and delinquent on my credit report. I have called four more times and been told they are not reporting to the bureaus as I am not on the account nor responsible for the debt. Experian has reported fraudulently I am past due on an account I am not on not responsible for
Consumer complaint received 2019-09-16
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: Experian Information Solutions Inc. (PA)

I have submitted via mail, and uploaded documents from 2 creditors who stated the intent to remove accounts from my file, both are erroneous and inaccurate, and I did not own them, or owe..Experian has yet to delete them, I have given them over 30 days, and they said they did verify the info on file to be accurate??? they are liars
Consumer complaint received 2023-07-14
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. (FL)

I have reached out to all three credit bureaus, regarding inaccuracies, and discrepancies, where that each reporting agency are reporting different accounts on my consumer report on some reports they are reporting so called collections account as open. Showing the same accounts twice. This is inaccurate reporting and needs to be removed which is not under FCRA compliance. This is damaging my consumer credit file. XXXX, is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : IS REPORTING THIS SAME ACCOUNT XXXX XXXX XXXX : IS REPORTING XXXX XXXX XXXX XXXX ARE ALL CONNECTED WITH THE SAME COLLECTIONS AGENCY. I DID REACH TO THE COLLECTION AGENCY THEY DID INFORM ME THAT THESE ACCOUNTS WILL BE REMOVE FROM MY CONSUMER CREDIT REPORT. I HAVE THE PROOF TO SHOW IT.
Consumer complaint received 2019-01-03
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)

I'm XXXX got the loan before me getting XXXX for 7 years o have sent award letters and or off I'm XXXX and it still is on my credit report I followed every thing to a T! And still get calls to repay I sent everything they wanted for my XXXX why is it still listed I don't get much every no from XXXX  I need help please
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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

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 2019-01-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Professional Mortgage Associates (CA)

My name is XXXX XXXX, I live with my sister-in-law, XXXX XXXX and my Husband XXXX XXXX, we have been renting together for 4 years and finally were able to purchase a home. We found a home in XXXX XXXX California, XXXX XXXX as a Realtor for XXXX XXXX placed an offer on the property in question on XX/XX/2018 with a closing date of XX/XX/2018. XXXX XXXX was the purchaser originally. XXXX appplied for a mortgage with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, this is a lender XXXX worked with on a Wholesale relationship thru Professional Mortgage Associates his Wholesale Mortgage Broker, he is a Realtor and Loan Agent for PMA. XXXX XXXX XXXX after approving the loan and knowing the dynamics of this loan as far as applicant relationships rejected the loan because they did not want the Buyer to be related to the Realtor since that is her sister, therefore we suggested I buy the property since we all live together it did not matter to us, but they rejected that as well since I am married to the Realtor, then they refused to work with PMA as the broker since XXXX also works fro PMA and rightful so since his Broker 's License does not exclude him from doing so. Therefore we had to apply with a different Broker and pay unnecessary fees for the loan because XXXX was not able to do it in his name. Then they came back one more time and disallowed XXXX from representing me XXXX, because we were married. Therefore we had to find a Realtor to represent us and a broker to do the loan increasing our costs to acquire this loan, and keeping XXXX from earning a compensation for the Real Estate Transaction. Then ... they had me backdate documents after closing of the loan for " compliance '' I am speaking of all initial disclosures, LE etc..we know better but at this point we had a XXXX in escrow that the seller were threatening to take since we removed the contingency, furthermore this was a serious loan since we put 30 % down payment on a XXXX purchase. We were tormented thru the process, required to pay additional fees and forced to give up compensation for Real Estate. this was a disregard for RESPA and Fair Lending etc ... Please help
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

I have an old account with CashApp. I no longer have access to that account. I have contacted them to gain access to the account or to have the funds transfered from the account and they will not grant me access to the account or money. 

I have been able to successly provide them with all of the security clearnce requirements ( full name, account email, account name, my SSN, old credit card numbers and addresses ). 

CashApp is stating that they will not give me access or be able to provide any further assistance.