davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (TX)

i Company placed the debt on my credit report as a collection agency as I have already explained to original debtor and they agreed was not my debt. Contacted collection agency very rude tried to explain to them not my debt stated did not matter would not remove it off my credit. Even offered to pay the balance not being me still stated that will not move off my credit report. The young lady was very rude and treated me as if I was some kind of trash off the streets. I will be forwarding to my attorney for violations of FDCPA and the federal trade commission as well. It is a shame that only do I have o spend money for illegal credit reporting but also waste my time
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Local Data Recovery, LLC (LA)

https : XXXX called from XXXX and left a message threatening a judgement against me by the end of the day today. They also called my mother - and offered to settle the debt but wouldn't let me pay in person, only over the phone with an email verifying the debt is paid. When I asked to have proof I was paying a real company, they told me that I will be going to court, getting hit on my credit and paying court fees and they will not accept any money from me now.
Consumer complaint received 2019-04-02
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. (NV)

Hello, XXXX XXXX XXXX. Im need to buy a house for my children and I. There are so many and inquires collections listed on all of my credit reports. Mostly all of them do not belong to me and they are a result of identity theft. Please remove as soon as possible so that I am able to rebuild my credit.
Consumer complaint received 2022-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

To Whom It May Concern, Im filling this complaints against this company CREDENCE RESOURCE Management due to the facts they reported inaccurate information to the credit bureaus claimed I owned them money XXXX from Original creditor : XXXX XXXX XXXX for the record I never done any business with XXXX XXXX XXXX in the first place. Last year the same charged appears on my credit files from a different collection agency by the name of XXXX XXXX XXXX XXXX I hired a law firm to get it deleted whomever kept selling this fraudulent debt will end up paying a big price this time my Lawyer is aware of the situation. I give CREDENCE RESOURCE Management 72 hours to get this fraudulent debt to be deleted from all 3 credit bureaus. I filed a police report against this company for Identity theft with the XXXX Police department case number # XXXX a complaint has been submitted to the Attorney General office in the state of Florida regarding this matter to investigate CREDENCE RESOURCE Management.
Consumer complaint received 2019-04-02
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. (NV)

Hello, Im XXXX XXXX. Im need to buy a house for my children and I. There are so many and inquires collections listed on all of my credit reports. Mostly all of them do not belong to me and they are a result of identity theft. Please remove as soon as possible so that I am able to rebuild my credit.
Consumer complaint received 2019-04-02
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. (NV)

Hello, Im XXXX XXXX. Im need to buy a house for my children and I. There are so many and inquires collections listed on all of my credit reports. Mostly all of them do not belong to me and they are a result of identity theft. Please remove as soon as possible so that I am able to rebuild my credit.
Consumer complaint received 2019-04-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (KY)

I contact loans places to get a loan to help my mom get a place because of personal reasons ... I applied for the loan n got accepted with no credit, it was for an installment loan.. I got money sent to my account XXXX into my savings then I had to sent back to the company in order to get my Loan that I was originally post to get which was {$2000.00} and then I tried to cancel the loan but they wouldnt let so then I called my bank and they said money has been deposited into my account and it looks like it might be fraud
Consumer complaint received 2018-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

For the last year I have been back and forth with the credit bureaus about a Bank of America account that is reporting on my credit report I really don't remember having a bank of America account. The credit bureaus keep responding stating that I should contact Bank Of America because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with Bank of America which I did on XX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according to the USPS tracking, and they still have not responded to me and the account is reporting on my credit report
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-04-02
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: LEXISNEXIS (NY)

I have disputed the validity of a Bankruptcy reported LexisNexis on multiple occasions. They have continuously advised that the bankruptcy has been verified and has yet to confirm, in writing, HOW they have verified this information.They have stated that this information has been verified by the bankruptcy court, however, I have been notified by the court that they do not verify any information with any credit bureau.
Consumer complaint received 2017-11-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I can not access my coinbase account. www.coinbase.com will not let me log in. That account uses email address XXXXXXXXXXXX I created my account around XXXX 2017, was able to access it, deposited some funds, and purchased some Ethereum. About XXXX I lost the ability to access my account. I log in with my account email and password, both are accepted. Most of the time they request a confirmation code via the phone application Authenticator. Most of the time I do not get that notice. 

Their help pages are of no help what-so-ever. They do not provide any reasonable method of contact. 

I have been trading emails with XXXX who claims to be from Coinbase for 20 days now via an account at XXXX. Her responses are very slow and do not address the problem. 

On my last attempt to log in I got the Authenticator notice, entered the number, it was accepted, but the web site said I have a difference computer and they need to verify it. They said so check my email. I received an email about how I can buy more currency but nothing what so ever about verifying my account.
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (FL)

Common Wealth financial services is trying to collect a debt that was closed out twice. They purchased the closed debt, and are now trying to make money off the closed account. I would like this account removed from my credit report. This should be labeled as fraud, and against the law. I would like a file taken out on this company, and their unfair, and unethical business practices. I will continue to fight this, and file complaints up the echelon of governing bodies until someone looks into this.
Consumer complaint received 2019-04-14
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. (NJ)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX CARD, THE XXXX   XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX, Chapter XXXX Bankruptcy : Bankruptcy, XXXX XXXX XXXX, XXXX, XXXX BANK, XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX OF XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

Transworld System Inc has contacted me three times, once at home and twice at work. All three times I have informed them that I paid XXXXXXXX XXXX XXXX and they keep telling me it is not paid. 

The amount in question is XXXX Dollars. 

XXXX XXXX received it no later than XXXX XXXX, 2017
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OR)

Mohela/XXXX XXXX XXXX is reporting a late on my account. I have never been late on this account. At this time my account was in deferment. I did not realize this late was on my credit until I checked my credit file. This late on XX/XX/2016 is inaccurate and needs to be removed.
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore XXXX XXXX XXXX XXXX, XXXX California XXXX XXXX XXXX ( XXXX ) XXXX filed for collection of fictitious loan under identity theft in XX/XX/XXXX and there was collection of over XXXX of fraudulent lien filed against my property in XX/XX/XXXX by XXXX and XXXX on behalf of fraud. I filed further complaints and showed CFBP filed action against XXXXXXXX XXXX for conspiracy to fraud unsuspecting victims with identity theft fraud loan schemes. 

On XX/XX/XXXX the CFPB filed action, orders and enforcement with injunctions against XXXXXXXX XXXX  and Rushmore Collections and XXXX and XXXXXXXX XXXX XXXX  have obstructed justice by ignoring orders under racketeering and organized financial crimes after the fact and as accessory to XXXX XXXX  facilitation of fraud, with stipulated agreements to refrain from any collecting from victims of fictitious loan scheme. I reported back to CFPB and the company denied they were correct company to contact in fraudulent misrepresentations after the fact.
Consumer complaint received 2022-12-30
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them right away : 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 XXXXN XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2019-04-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Riverwalk Financial Corporation (MD)

I have tried on several occasions to apply for law enforcement jobs, but everytime I presented my degree I was turned down and when asked why, I was told the degree had no merit, I have since found out that the school was/is under scrutiny with several courts, One being in XXXX XXXX by there Attorney General XXXX, where she sues XXXX for using deceptive marketing to lure students into thousands in debts as well called for the closure of its criminal justice program, due to the fact that XXXX falsely convinced students that they could pursue law enforcement with agencies only to find out that the school was only nationally accredited and in order to purse such a carer the degree needed to come from a regionally accredited school. 

I do not know how long this has been going on, but I am asking for some type of closure or either some type of assistance in rectifying this horrific crime set out by XXXX. 

I have been shuffled around from XXXX to a company called XXXX then to a company called XXXX now the secondary loans are held with XXXX. XXXX XXXX XXXX XXXX XXXX with a balance of XXXX $ I have attached information from the school referring to my federal loans which Ive actually have already put in action with student financial aid department a claim as well. 


I am not one that does not pay their bills I have been trying to make as many payments as I can to keep my credit up..All I am asking is for a fair look at my situation. I am not in default as of yet. Thank You for hearing me out, Before I end, I also do not truly believe that everything that was signed was truly my signature, for that matter I don't know all that was signed
Consumer complaint received 2022-09-16
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. (MI)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-16
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. (NJ)

Please Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my XXXX credit report and found the following item ( s ) to be in error 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 received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX DateXXXX XXXX received a copy of my XXXX credit report and found the following item ( s ) to be in error : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-31
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: SYNCHRONY FINANCIAL (OR)

My credit limit with Synchrony Bank was {$3000.00}, I made a payment of {$1000.00} and the credit card company lowered my credit limit to {$500.00} stating it was due to my credit score, serious delinquency, proportion of balances, revolving accounts to high, number of delinquency, and length of time accounts have been established. 

Which is not true, I have been paying my creditors on time for well over two years, I have paid off have the balances on my accounts. 

Yes my credit score is low, but I am working on my credit.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hello my name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES and update all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2019-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

Here is my problem : I got this Paypal message : " Your PayPal Funds are Eligible for Withdrawal '' now when I try to withdraw funds it says : " Sorry, we weren't able to process your request. Please check your info and try again ''. Now when I try to Request a Check it says : " Sorry your last action could not be completed ''. This is not sense to me because I got this Paypal message after waiting a holding period of 180 days : " Your PayPal Funds are Eligible for Withdrawal '' Please help, Thank you.
Consumer complaint received 2018-03-29
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. (CA)

The company has asked that I pay a debt for {$3300.00}, {$1800.00}, {$2000.00} Acct. # XXXX that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I asked the company 's to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX XXXX XXXX keeps ducking the questions & facts Im asking of them. They state XXXX party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has said the Debt has been VALIDATED which is a lie Send Me The Proof and any all of the things I've asked I DEMAND they answer the questions asked of them. I need this for equity court I need to be sent proof of everything listed above.
Consumer complaint received 2019-04-14
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: ENCORE CAPITAL GROUP INC. (CA)

I moved from XXXX, NC in XXXX at which time XXXX XXXX sent a new credit card to the tenant living there. They went on a shopping spree to the tune of {$5700.00}. I contacted XXXX XXXX Fraud and they took forever to investigate and get to the bottom of what happened. I have proof that I was not even in NC when and where the shopping occurred, I had already moved. I finally received a letter from XXXX XXXX dated XX/XX/XXXX after numerous follow ups, stating that the investigation proved the charges were fraudulent. XXXX XXXX claimed that my status was resolved with XXXX, XXXX and XXXX, and to allow 60 days for their records to be revised. 
In the meantime I continue to get threatening statements/letters from Midland Credit Management, Inc.Account # XXXX, requesting payment. I tried to call them several times to tell them about the XXXX XXXX letter and to find out where I could send a copy, but they insisted that would not resolve the problem. I also discovered that this is showing up on my credit report. Is there any way for you to resolve this with Midland? I would be happy to forward the letter from XXXX XXXX that clears this insanity.
Consumer complaint received 2019-04-14
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)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX CARD XXXX, XXXX XXXX DEALER XXXX XXXX,