davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOV ASSOC Account Type Debt Buyer I have not entered any contractual agreement with this company and have no obligation to pay Portfolio Recovery Association. The company is a debt buyer. I would like this to be removed from my credit report and do wish to receive threatening phone calls from this company on a daily basis. I believe I am a victim on harassment this should be illegal.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XX/XX/XXXX and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XX/XX/XXXX to which I immediately called XXXX for an opt-out again. Today, XX/XX/XXXX, I received another XXXX XXXX mailing. I thought something was not right so I pulled my XXXX credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.
Consumer complaint received 2020-05-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2005 and a XXXX dollar balance should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2005 and a XXXX dollar balance should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (AL)

i opened a suntrust bank account XX/XX/XXXX & the online app didnt work so on XX/XX/XXXX i called and they told me my account was closed for review, with no email, letter in the mail or call notice. they said my funds would be sent via check 7-10 business days, I called again XX/XX/XXXX & was told my account was closed on the XXXX & that i had to wait 5-7 business days for a check in the mail. 11 business days later XX/XX/XXXX i call and they tell me that my account was closed on XX/XX/XXXX and a check will be mailed on 7-10 business days. it has been 15 business days since the account was supposedly closed and they keep telling me different days and to wait 7-10 business days each day i call. still to this day i have no received a letter in the mail, an email or phone call regarding my account being closed for any reason or any explanation.
Consumer complaint received 2021-08-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (VA)

I called Debt Recovery Solutions , LLC asking them to verify the debt that said is owed. They also received a certified letter asking to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Debt Recovery Solutions , LLC was ask to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing signature. I sent them a letter twice and the information was never verified. I never have taken out a online loan with this company or any other company. They sent me a computer print out without verifying any info that was ask to verify. This company reviews look like they are scammers.
Consumer complaint received 2020-05-29
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. (TX)

The below listed INQUIRIES and COLLECTIONS by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX Collections Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$0.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RELIANCE FIRST CAPITAL LLC (NH)

I have called my mortgage company numerous times reliance first capital to figure out how I can get back on track Ive left messages I sent email today and nobody is calling me back. I cant get in touch with anyone its like Im set up to fail.?? I just need a a couple months to get back on track. I had a hardship with my vehicle and its cost me over XXXX out of pocket over last 5 months.
Consumer complaint received 2019-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I sent a debt validation letter to Portfolio Recovery to verify a debt on 2 XXXX XXXX Credit Card Accounts and a XXXX account that they claim I owe. Portfolio Recovery only sent me statements of the accounts, the statements they sent only show a balance owed it does not prove that the amount is correct from XXXX XXXX or XXXX. Portfolio Recovery did not send me all the information that I requested to prove that they own the debt and prove they are legally allowed to collect on these accounts. The letters that have a Portfolio Recovery letterhead all state at the bottom " This communication is from a debt collector but is not an attempt to collect a debt '' Portfolio Recovery is still reporting to all 3 credit bureaus on this debt that has not been Validated. No signatures are on any documents they have sent to me including original creditors documents they provided me with.
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NY)

Chase Receivables - Continues to call my place of work, attempting to collect a debt that is not mines and i have no knowledge of. 

I have told them several times to stop calling here - this is a company phone and they are not allowed to call here. 
they continue to call here and ask for me and harrass me at work.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (AZ)

I have Purchased Crypto From Coinbase On XXXX XX/XX/2021, worth of {$39000.00} via wire transfer thorugh XXXX XXXX. But somehow my Account got compromised so i had to disable my account. After that i tried to enable my account for like more than 15 times, I even got my ID verified a lot of times but there was no progress in getting my account enabled. I also created tickets to the help centre of coinbase but nothing changed. After so many attempts of getting my account enabled, I suddenly get an email from coinbase saying that i am not allowed to do anymore transactions on it and they have stopped all the services for me, and now i have just been left with one option that is to withdraw all funds. But as i see there on my coinbase account, I don't have any linked bank account on the platform and when i try to add an account, it says it won't allow me to add an account. So, it means that my money is stuck with them and i can not get my money out of coinbase. 
I even recieved an email from coinbase support saying that they can not help me any further. 
Kindly help me recover my funds from coinbase.
Consumer complaint received 2019-03-06
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. (NY)

I have an issue that is still reporting on my credit report .Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My student loan is CURRENT with the DEPT OF ED/XXXX xxxxxxxxxxxxxxxx XXXX. I have attached the letter from XXXX that my loan is in fact Current If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XX/XX/XXXX
Consumer complaint received 2017-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I faxed a letter to transunion regarding inquires on my credit report on XXXX/17 by fax advising that the only authorized inquiry I made was with XXXX XXXX XXXX all and requested that all other Inquries be removed as I did not authorized them. I recieved a letter in the mall stating they were not removing them. I sent a 2nd fax on XXXX17, recieved confirmation that it was recieved .There was a computer glitch that caused inquiries to be deleted .Transunion later added them all back onto my report without giving me the legally required notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them them delete the inquiries that they illegally re-added.These inquiries add hardship and my rights have been violated by Transunion and as of today XXXX/17 I still have not recieved a response back from them.
Consumer complaint received 2021-08-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

In my previous CFPB complaint id XXXX submitted on XX/XX/2021 Amerisave Mortgage Corporation promised us a {$500.00} refund on our application fee. They stated in their response on XX/XX/2021 : " As a courtesy, AmeriSave will refund the {$500.00} Application Fee to the credit card initially charged within 3 to 5 business days. We trust this matter has been satisfactorily resolved. '' As of now, XX/XX/2021 this {$500.00} refund was never received. That over a month after the promised 3 to 5 business days. We continue to be disappointed with the service provided by Amerisave.

We have no way to contact the appropriate department at Amerisave as no contact information was provided in their CFPB case response. Hence we now have to open another case for our {$500.00} refund.
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Repeated collection reporting without providing 100 % accurate verifiable information. 
I have asked in writing multiple times to provide documentation showing I authorized opening account from original creditor and/or my authorization debt be transferred to another debt collector. 
Balance : {$2000.00} Balance : {$840.00}
Consumer complaint received 2019-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I am a victim of identity theft there were multiple accounts opened under my name i have filed a report. 
DISCOVER FINANCIAL SERVICES WITH A BALANCE OF {$4100.00} is still remaining on my credit i did not open this account
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with the fair reporting act, the following lit of accounts below as violated my federally protected consumer rights privacy confidentiality under. 15. USC 1681 uner 15 USC 1681 sec. 602 ( A ). 15 USC 1681 sec 604 ( A ). 15 USC 1681 ( A ), ( 5 ). 15 USC 1681 sec 2 ( A ) ( 1 ).. I would like these accts removed from my credit report immediatley and any other accts not listed alon with all inquiries. 

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 2022-01-08
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Hey are you guys doin?, I sent you my disputes on XX/XX/2021 but seem like your doin nothing. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. just what the XXXX is this???? This is clearly a violation and negligence. I am keeping record of everything because if you continue to ignore my disputes I swear Im goin to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.
Consumer complaint received 2021-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

a debt collection company by the name of I.C. SYSTEM, INC has listed a negative collection account on my XXXX and XXXX  credit report, claiming that i owe a debt of {$58.00}. i am demanding this account be removed from my credit report seeing that this account does not belong to me. unless I.C. SYSTEM, INC can provide physical proof of an original contract or any documentation with my photo identification or signature on file. 
A billing ledger does not count as proof that this account belongs to me, please provide only physical evidence if not remove this a.s.a.p.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Chase is refusing to review or apply a credit to my account that has already been issued by a third party. 

On XX/XX/2020, XXXX issued a credit to my XXXX XXXX card totaling XXXX XXXX ( XXXX XXXX  ). This comprised of four credit transactions in the amounts of : XXXX MXN ; XXXX MXN ; XXXX MXN ; XXXX MXN. We have confirmed with a representative from XXXX corporate via the XXXX XXXX XXXX that XXXX has issued these credits, and the sending bank has confirmed success of the transaction. We have received transaction identifier ( ID ) codes for each transaction. 

Despite several calls over the past month, including with XXXX on the phone in a conference call, Chase denies that these transactions exist. When we attempt to provide transaction ID codes so that Chase can lookup the transaction, they deny that this is possible. Chase representatives insist they can only look up a credit ( refund ) transaction if an original charge exists. However, no such original charge exists from XXXX. XXXX is issuing a credit to my account without having previously charged it. This is a valid method of crediting account but Chase representatives deny this fact.
Consumer complaint received 2022-01-08
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

About two months ago Lexis Nexus agreed to remove the bankruptcy from my Lexis Nexus report ; however, XXXX, XXXX, and XXXX are stating your company is still verifying the bankruptcy. This is a violation of the FCRA and my next action is filing a complaint against your company with the Alabama and GA Attorney Generals office. If you deleted the information from your database ; why are you still reporting to the credit reporting agency the bankruptcy is valid? I am requesting that you inform XXXX, XXXX, and XXXX that the Bankruptcy information is no longer reporting in your database and refrain from verifying information that is not there. I have provided each credit bureau with proof the Bankruptcy is no longer in your database. I will forward this information to the Attorney General of GA and let them know you continue to violate FCRA rules along with the CRA 's. Either your company reporting false information or the CRA 's are lying about verifying with your company.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

ive notice a old address and a false address plus a phone number that doesnt belong to me still appear on my profile. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX is a false address that should be removed XXXX XXXX XXXX, FL XXXX is a old address that should be removed and any other phone number beside my primary number should also be removed from my credit report. my primary phone number is ( XXXX ) XXXX
Consumer complaint received 2020-05-29
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX  {$360.00}
Consumer complaint received 2019-08-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Dynamic Recovery Solutions, LLC (DE)

Original loan was with XXXX. It was sold 14 times. Ended up in collections. Collection company XXXX XXXX. We went to court on XX/XX/XXXX and the case was dismissed WITH PREJUDICE. Account was beyond statute of limitations. *See attached. In XX/XX/XXXX I began receiving phone calls and letters from Dynamic Recover Solutions attempting to collect this debt. I've ignored phone calls. XX/XX/XXXX I received a letter *attached. I told them the debt was dismissed and they wanted proof. After providing a copy of said dismissal, they sent me to XXXX XXXX XXXX, who in turn reiterated I was to begin making payment arrangements. I refused to speak with a representative from their company. How do I make this stop, as it is causing high anxiety and health issues.