davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I paid off a XXXX 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from XXXX 's attorney. It was a settlement that XXXX 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, XXXX 's in conjunction with XXXX ( they merged ) have reported to all 3 credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the 3 credit bureaus, XXXX 's credit and XXXX, however I am told that internally, XXXX 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and XXXX 's constantly denies THEIR OWN paid in full letter. I spoke to XXXX 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please help me!
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (OR)

I received an email from a credit reporting agency that my score has been affected negatively. I opened the credit report on XXXX, XXXX, and XXXX and saw that " Mercantile Adjmnt Bur '' opened a collections account in my name on XX/XX/XXXX for a 1 month term for {$670.00} then closed the account XX/XX/XXXX. I have received no notice on this account, nor ever have owed collections in my life. I've paid all my payments on time, have excellent credit that was XXXX before this offense. When I called the phone number of this fraudulent agency XXXX, I got a response " You have dialed a number that can not be reached. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have reported to the Federal Trade Commission Identity Theft ( reference number XXXX ) and filed a XXXX XXXX XXXX  complaint ( case # : XXXX ) as well. I have also reported this identity theft case to the XXXX Police Bureau ( case # XXXX ). I received a letter from the Mercantile Adjustments Bureau debt collector post marked XX/XX/XXXX with the utility debt ( XXXX XXXX ) created under my name and social security number for an address in XXXX, Texas. Ive never visited Texas in my life let alone lived there. I called the debt collector at the phone number provided in the letter XXXX and they informed me my dispute is being worked on. This is obvious fraud and needs to be removed from my credit report immediately.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Stellantis Financial Services US Corp. (MD)

On XX/XX/XXXX I made a full payment in the amount of {$610.00} with First Investors manager XXXX XXXX. The confirmation number is XXXX. First investors refused to report me to the three credit bureaus in the month of XX/XX/XXXX. Most importantly, my payment was made PRIOR TO MY DUE DATE! Needless to say, First Investors is maliciously sabotaging my credit due to their procrastination in reporting. My account should be reported EACH MONTH!! Im not allowed to skip payments. Therefore, First Investors should not be allowed to skip months reporting my payment to ALL THREE CREDIT BUREAUS! The gross misconduct and shenanigans is extremely unprofessional and damaging.
Consumer complaint received 2019-05-31
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (GA)

We were told that by closing in XXXX, our first payment would be due XX/XX/XXXX. When we closed, the date for the first payment was XX/XX/XXXX on the closing documents. We were told by the closing attorney and the CalCon mortgage representative to cross out the date and put XX/XX/XXXX, then initial by the new date. Now, we are being told to make the payment by XX/XX/XXXX ( today ), but it would go to the XX/XX/XXXX payment. We don't wan to pay on what is being called an illegal contract. Please help!
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (NC)

I recently reviewed my XXXX and Equifax credit report and I noticed there were inquiries and a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Consumer complaint received 2020-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR)

MONEYGRAM HAS FAILED AGAIN TO REFUND FRAUD INDUCED MONEY TRANSFERS TO XXXX FOR {$16.00}, XXXX. SEE ATTACHED INFO ...
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

IC Systems is reporting on my credit report. I have never received any notification from them, nor an opportunity to validate the alleged debt. 

Furthermore, I never gave them my social security number or name so Im not sure where/how they got this information. 

They are holding up my home buying process illegally by attempting to extort money from people without providing any information.
Consumer complaint received 2020-09-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (GA)

Debt Collection Agency Name XXXX XXXXXXXX XXXX, Focus Receivables Management Issue Never received any written notices of an attempt to collect a debt or any explanation of my rights. 
Details In XXXX I applied for a mortgage loan. I was advised that there was a collections account in the amount of {$410.00} on my credit report. The credit agency listed was XXXX XXXX XXXX. It stated that it was for XXXX XXXX and it was added in XXXX of 2020. I had never received one letter or phone call regarding this debt, but it was added to my credit report. 
I found that it appeared on my XXXX and XXXX report. In XXXX I filed a dispute regarding this debt. The results came back stating the debt was verified by the collections agency. No additional information was provided, and I never received any calls or letters. The debt remained on my credit report. 
In XXXX I received a collections call. The collections representative stated that this was an attempt to collect a debt for XXXX XXXX. The same debt that has been my credit report since XXXX without one attempt to communicate with me by phone or in writing. I was very upset. I asked them why they lied to XXXX stating they verified a debt they never contacted me about. I also asked them why they were calling me for a debt they already placed on my credit report. The representative stated that she did not see that it was on my report. 
I proceeded to tell her that if they had contacted me, I would have told them that I dont owe anything to XXXX XXXX and I want a full explanation of this debt. She stated that should contact XXXX XXXX and have them reach out to me. I never heard from anyone. No calls and still not one written communication from a collections agency or XXXX XXXX, but the collections account was removed from my XXXX and XXXX report. 
Today, XX/XX/2020 I received a credit alert stating that this exact debt was added to my XXXX report on XX/XX/2020. It was added by a collections agency named Focus Receivables Management and states it was opened on XX/XX/2020. I still have not received one written communication from a collections agency and no explanation of the debt reported. I also have not received any additional calls from anyone except the one where they stated they would have XXXX XXXX contact me and never did. 
My rights have been violated on more than one occasion for the same matter. This should not be allowed and I am sure if youre doing it to me, youre doing it to others during an already trying time.
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: EQUIFAX, INC. (OH)

These accounts were XXXX opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these XXXX items off my credit report. Thank You! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$57.00} Acct Number -- - Date Opened XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc (TX)

By law this company is reporting information to credit bureaus that is not allowed by permission. Law statue 15 U.S. Code 1681a 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-03-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Works & Lentz, Inc (OK)

I have contacted XXXX because I never received a bill from them just a notice from collections. I can not recall the exact date, but I informed them that I never received a bill from them, so how can you turn me into collections? I was told that " they do not send bills to anyone on the XXXX patient portal. '' This is not true, because I signed my mom up for this and she still receives bill statements from XXXX, and also on her patient portal, she can access her bill and make payments as well, but I can not. I informed XXXX Billing that first of all I did not know this, and after being told this information, I told them I can not access billing on my portal, nor can I see the bill owed. I need statements sent to me. How can you send collections a statement, and not send a bill to me? The person I spoke with was very rude! I also spoke with the IS department and explained to them that I do not have access to billing on my XXXX, and I'm not receiving paper bills, so are there two different XXXX, they informed me there aren't two. So, I had them access my account so they can see that I do not have access to billing to see my debts. I'm still not receiving paper bills, just turned to Collection 's, without any notice, and this is affecting my credit for no reason.
Consumer complaint received 2020-05-06
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. (IN)

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NY)

On XX/XX/2020, I attempted to complete an ACH transaction on a recently opened account. I called customer service BMO Harris at XXXX. CSR who took the call asked me verification questions. I was unsure of the last question regarding a XXXX XXXX that I previously owned. The question was regarding the year of the XXXX XXXX. I was unsure of the answer because I previously owned and no longer own a XXXX XXXX. While I was thinking of the answer the CSR selected none of the above. This resulted in failed verification and the CSR told me I would need to come into the branch for BMO Harris. I then asked her for a manager and she subsequently hung up on me. I then called BMO Harris again at the same phone number and the call was disconnected. I called the same phone number and spoke with XXXX and she informed me that the verification questions were answered incorrectly and that I would need to walk into a BMO Harris branch for verification. XXXX then transferred me to XXXX who repeated that I would need to come to a BMO Harris branch because I was within the footprint of a BMO Harris branch. I was very confused by  what the word footprint meant. I advised XXXX that I was currently in the State of New York for an undetermined period of time and was concerned about COVID-19. XXXX then placed me on hold for a very long time ( more than 5 minutes ). When she came back on the phone, she did attempt to assist with the online banking process but repeatedly told me I needed to come to a branch to verify my identity even though the previous customer service representative failed the verification process in error. I am in the New York area for an undetermined period of time and do not know when I will return to the XXXX area to enter a BMO Harris. Given the circumstances with COVID-19, I dont think anyone human wants me to enter a BMO Harris bank. In addition, XXXX suggested that I enter a XXXX XXXX XXXXXXXX in XXXX to perform my banking transaction. To the best of my knowledge, only essential workers, such as doctors and nurses, may enter XXXX for the short term and possibly the long term. There is no BMO Harris bank anywhere near my current location in XXXX New York. We ended the call with no resolution provided by BMO Harris.
Consumer complaint received 2020-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (TX)

OnXX/XX/XXXX there were unauthorized transactions with my Coinbase and Coinbase pro accounts. I immediately reached out to Coinbase to have my accounts locked. Ive since contacted them following all procedures to regain access to my account showing Ive taken all security measures but theres no luck. Theres no customer support and theres no live agent whatsoever. I really need to gain access to my accounts I still have funds remaining. Case # XXXX Any transactions made on XX/XX/XXXX or after is fraudulent. My last transaction was a deposit to my Coinbase pro account prior toXX/XX/XXXX for {$500.00}. When I logged into my Coinbase accounts before disabling because of the unauthorized transactions I still had some remaining digital currencies that Ill like to access. Please allow me to access my accounts and have someone reach out to me to get this resolved. Thanks
Consumer complaint received 2018-09-19
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: Experian Information Solutions Inc. (PA)

I have made arrangements through XXXX XXXX XXXX attorney to settle my account in full with a XXXX balance and the company refuses to report the information to the credit bureau accurately. 

Instead of reporting that the account is paid with a zero balance to all 3 bureaus. They only took off the XXXX settlement off the balance and continue to report that I am not making payments negatively effecting my credit score. 

I have emails from XXXX XXXX XXXX attorney as well as all other documentation that we agreed before payment was made. 

This has been an utter nightmare and I cant seem to get this 8 year old debt off of my credit report as well.
Consumer complaint received 2023-01-31
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. (DC)

Reporting scores as low average which is wrong because all my bills are paid on time which is making me be denied credit consolidation loans. Also loan interest is triple the loan amounts.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX, Consumer, am filing a complaint against Equifax Information Services LLC for aggravated identity theft pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ), I, XXXX XXXX, never gave Equifax Information Services LLC the written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to furnish my information, therefore you are in violation. You are also in violation pursuant to 18 U.S. Code 1028 ( a ) ( 2 ) ( 5 ) ( 7 ) ( b ) ( A ) ( ii ). In this letter I received from Equifax Information Services LLC, dated XX/XX/XXXX, is proof, and admission of the violation ( s ) which is high lighted ( See attachments ). Equifax you are being fined for {$1000.00} ( per ) violation ( s ) and must send check via mail to my address on file via ( CFPB ) portal. Failure to comply will also be a violation pursuant to 15 U.S. Code 1681n ( a ) ( A ). You, Equifax Information Services LLC admitted on your letter obtaining my information from a 3rd party vendor, however, this is a violation of The Privacy Act of XXXX, as amended, 5 U.S.C. 552a. You are also in violation ( s ) of the FCRA as well for reporting inaccurate information and without any of my consent. In your dispute/letter you stated everything is accurate which is false and misleading information, and you didnt comply with the Law sending me my certificate of accuracy pursuant to Mont. Admin. R. 17.8.1207 - CERTIFICATION OF TRUTH, ACCURACY, AND COMPLETENESS so, however, you are in violation. I am putting you on notice of your violation ( s ) failing to comply will be a violation pursuant to 15 U.S. Code 1681n ( a ( A ). Best regards!
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My irs economic payments... all of them 4? I believe 4 payments were distributed from covid all went to a usaa checking account not belonging to me, ultimately, i never got access to the money how can i get this issue fixed im low income no insurance just got hired need money very bad. Called irs after each payment was due to be released in efforts to reroute to my correct routing account.
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

THIS IS ANOTHER DEBT COLLECTION FRAUD BY AWA COLLECTIONS XXXX XXXX XXXX XXXX CA XXXX XXXX AWA COLLECTIONS THIS STATEMENT IS ADDRESS FROM THIS ADDRESS DEPT XXXX XXXX XXXX XXXX CA XXXX AND THEN THE PAYMENT ADDRESS IS TO BE SENT TO XXXX XXXX XXXX PAYMENT CODE CITY XXXX CA, THIS INFORMATION IS ALSO SENT TO FTC. THEY ARE REQUIRED BY LAW TO STOP THESE FRAUDULANT COMPANIES SENDING STATEMENTS OF DEBT THAT IS NOT OWED.
Consumer complaint received 2017-09-08
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. (DE)

I 'm filing a complaint about the data breach from Equifax. I heard about it on XXXX XXXX, 2017 and  have found that my information is at risk.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CT)

XXXX is trying to collect on a fraudulently manufactured debt by XXXX. I got a call from XXXX and the representative who identified herself as XXXX said that if I did not pay them {$4500.00} right away that they would call my vendors and report me to credit bureaus and ruin my credit. The worker from XXXX said that they had an account number XXXX and that if I didn't pay {$4500.00} by wire today that I would then owe {$20000.00} and that they know I will pay because I am in XXXX XXXX  and my credit is priceless to me. I have no debts with XXXX and this is an extortion and collection scam.