davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-05
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. (FL)

After  XXXX   XXXX   XXXX  I was arranging a Short Sale with the Lender,   XXXX   XXXX   XXXX   XXXX , and a predatory lawyer tried to foreclose on my property.   To forestall this I filed a " Rumor Of Bankruptcy '' Chapter  XXXX  in  XXXX / XXXX / XXXX  and it was subsequently Dismissed on  XXXX / XXXX / XXXX .   It happened again in  XXXX / XXXX / XXXX  and I filed another " Rumor of Bankruptcy '' Chapter  XXXX  and it was Dismissed on  XXXX / XXXX / XXXX  Although I did not actually go into Bankruptcy these items were reported as " Derogatory Items '' on my  XXXX  Credit Reports and classified me as Bankrupt and my Credit Scores became very low.   I wrote to the Credit Bureaus and they stated that they were reporting information found on the   XXXX   public records.   I then wrote  to the CEO 's of th e  XXXX  Bureaus on  XXXX   XXXX   XXXX  and complained about this case. Nothing happened. No one will talk to me about this matter.   Thus the filing of  a Legal Document, su bsequently Dismissed is mis-classified as though it actually went through to fruition.   ( I think this is due to the fact that the Bureaus do not want to go to the trouble of investigating which filings actually resulted in Bankruptcy ) I do not wish to have my credit ruined because nothing actually happened.
Consumer complaint received 2022-03-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (PA)

I was giving an opportunity of extension of payment on my car payment account and after paying the fee I was sent an email to confirm the program, I never received the email because they sent it to the wrong email which was their fault so 32 day went by and it was reported but I said the fee before the lateness and I lost XXXX points on my report I called to explain my situation they released it was their fault and they told me it would take 30-45 days to fix this problem. and I don't think it will happen. aim in the process of buying my first home
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: eToro USA LLC (OR)

On XX/XX/2021 I kept inputting XXXX  on the website and etoro  kept coming up instead of XXXX. Since I had tried to contact XXXX  from different internet methods I thought etoro was them. I invested {$50.00} and put it in ethoreum. etoro claimed my account was {$100.00} now with a portfolio of {$140.00}. I was hesitant with this company because I wasn't sure they were XXXX. XX/XX/2021 etoro tried to withdraw {$100.00} out of my chase bank account without my permission. I paid {$20.00} for my bank to put a stop to the transaction. I also blocked etoro from my bank account. I did call etoro about all this at XXXX ( XXXX ) XXXX. After ringing a long time someone answered and said they would call me back in an hour. When I told him I never authorized them to withdraw {$100.00} from my XXXX account he hung up on me. Today I tried to withdraw everything from the etoro account. Since then etoro has blocked me from there phone number, Knocked my portfolio down to {$38.00}, and it goes down every from the {$50.00} I put in ethoreum. When I hit sell etoro will not let me sell the stock. Can not call them because etoro has blocked all communication with me.
Consumer complaint received 2022-03-03
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (CA)

On XX/XX/year>, I received this notice for default dated XX/XX/year> with wrong information. 
The mortgage loan is in my name as XXXX XXXX XXXX but this notice is in the name of XXXX XXXX XXXX and XXXX XXXX XXXX 
Neither I authorized nor the bank sought any authorization to add XXXX XXXX XXXX account holder. 
The bank is trying to manipulate and defraud the account without my knowledge or consent and this is illegal. 
Strict action must be taken against this bank as it is playing with the finances and life of the account holder.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I opened citi XXXX account on line on XX/XX/XXXX, XXXX transferring {$51000.00} via ach bank transfer from XXXX  XXXX XXXX. Soon after 2 weeks they blocked the account. I have call at least 5 different times without any response from the bank about reasons for blocking. I requested to close the account so I can receive my deposit back. Bank stated that when we close the account we will send the deposit money check to you. It has been over 2 and half months and check has not been mailed. They refused to discuss further. I told them I am retired and I need the money and their response on XX/XX/XXXX was that " sorry, we have to disconnect your call ''.
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

Account #  XXXX   Professional Adjustment says I owe {$620.00} on my credit report. I have asked the credit bureaus to validate t his debt. I have also called professional adjmnt Company who says they can not talk to me they have a cease and decease they have never sent a bill or validated this debt with me. They are voilating my right to have this date validated.
Consumer complaint received 2017-06-05
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. (MD)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX   XX/XX/XXXX    Credit Bureaus (  XXXX /Transunion/  XXXX   ) To whom it  may  concern : I sent a certify letter back in  XXXX  of   XXXX   requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file.  <P/>  XXXX   XXXX   (  Signature Loan )  XXXX  Verification of  13  late payment on :  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX   XXXX   XXXX   (  Auto Loan  )   XXXX  Verification o f 19 l ate payment on :  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  XX/XX/XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX   (   XXXX  )  XXXX  Verification for 7 late payment on :  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  (  XXXX   )   XXXX  Verification for 7 late payment on :  XXXX ,  XXXX ,  XXXX , XX/XX/XXXX  XXXX , Thank you  XXXX   XXXX
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I know hard inquiries on my credit report without my authorization. XXXX  XXXX ( Its on there twice ) ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Finance ) On here twice ) XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX Some inquiries on on my report twice.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

For over a year I have been reaching out to all 3 credit bureaus to remove items on my credit report that were a cause of fraud. I have requested validation and verification in the form of originally signed contracts etc. Each company has failed to help me and instead placed a lock on my credit profile but refuses to investigate the items in question or remove them from my credit report despite providing them with paperwork supporting my claim that my information was stolen and used without my permission. I am formally requesting these items be removed so that i can finally move on with my life.
Consumer complaint received 2017-06-05
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: NAVY FEDERAL CREDIT UNION (MD)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX   XXXX   XXXX ,   XXXX   Credit Bureaus (  XXXX / XXXX /  XXXX   ) To whom it may concern : I sent a certify letter back in  XXXX  of   XXXX   requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file.  <P/>  Navy Federal (  Signature Loan )  XXXX  Verification of 13 late payment on :  XXXX   XX/XX/XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX   Navy Federal   (  Auto Loan  )   XXXX  Verification of  19  late payment on :  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX   XX/XX/XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   Navy Federal  (  XXXX  )  XXXX  Verification for  7  late payment on :  XXXX ,  XXXX ,  XX/XX/XXXX   XXXX ,  XXXX  XX/XX/XXXX  Navy Federal   (   XXXX   )   XXXX  Verification for 7 late payment on : XX/XX/XXXX ,  XXXX ,  XXXX ,  XXXX  XX/XX/XXXX  Thank you  XXXX   XXXX
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed three fraudulous accounts on my consumer report in XXXX of 2021. I have made numberous calls to Transunion to have these accounts removed with no avail. I have called and have been transferred to their fraud department and told to call the " original creditors '' to ask for a letter of deletion, but when I call the companies they say they can not provide me with such letter because I do not have an open account with them. I have called transunion back explaining what the companies have told me and they tell me I have to have a letter of deletion from them even though that is not possible. It is so frustrating that transunion has not removed these fraudulous accounts from my report. I did not try to open them and I want them removed as soon as possible. 

The accounts sare as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX ) XX/XX/2021 2021
Consumer complaint received 2024-05-23
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Giggle Finance Inc. (MI)

I want to clarify that I fully intend to honor my debt obligations. This message is not a plea to avoid responsibility. 

Nevertheless, I believe it's important to mention the federal Fair Debt Collection Practices Act ( FDCPA ), which safeguards debtors from abusive tactics by debt collectors ( 15 U.S. Code 1692k ). I hope to invoke this protection to request that the current debt collector refrain from contacting me with threats and harassment while I am actively working toward resolving this issue. 

Despite my clear communication with the company regarding my commitment to repay the debt, they persistently contact me through various means, even resorting to messaging me from personal numbers at inappropriate times. Furthermore, they demand bank statements, which I can not provide due to the closure of my account. I am literally paying them any and all money as it comes in and I can not produce what I do not have. 

Moreover, amidst these challenges, I have just been XXXX from the hospital following treatment for a XXXX. Having no apparent risk factors, this health crisis was completely unforeseen. As such, my attorney is adamant about pursuing legal recourse to address the distress and damages incurred, especially considering the potential implication of the company 's involvement in precipitating the XXXX. I have not ruled this out, however, my paramount concern currently lies in recuperating from both the amazingly long and hard physical and financial blows dealt and I would like to resolve this out of court and as quickly as possible.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax continues to report inaccurate and incomplete information on my credit file. The furnishing company as addressed and corrected the account with the other bureaus. However, Equifax continues to report after making aware of the discrepancies. They close disputes without getting account information from the furnisher as the furnisher is aware of the missing information and has stated that they've provided it to Equifax. 

The status, payment history, or payment rating on this account is not correct. 
The date of first delinquency on this account is inaccurate
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (KY)

I did an investigation to my credit report and noticed that the following account is inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureau does not have any input about the debt and discrepancies on the listed details of the account. 




XXXX XXXX XXXXXXXX / XXXX / {$0.00}
Consumer complaint received 2017-10-16
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. (CT)

I contacted all 3 Credit Bureaus XXXX, XXXX and Equifax several times regarding 3 accounts that were opened with XXXX as a result of Identity Theft. After several disputes and even filing complaints with the CFPB in which they were again provided with copies of the police reports all 3 bureaus removed the accounts responding that the ID Theft was founded and the accounts had been removed. Now 2 weeks ago I received notice the bureaus without cause relisted the previously deleted accounts. The notation was added " The Creditor is unable to reach you in regards to the ID Theft '' the creditor has reached me numerous times and has been provided all of the information. Relisting the following accounts is a violation of FCRA. The following accounts must be removed from my credit reports immediately or I will be forced to retain legal counsel and seek Judicial and financial recourse. 
XXXX XX/XX/XXXX {$0.00} {$250.00} {$5400.00} XX/XX/XXXX REPOSSESSION {$510.00} XXXX XX/XX/XXXX {$4000.00} {$46.00} {$4600.00} XX/XX/XXXX CHARGE-OFF {$1500.00} XXXX XX/XX/XXXX {$3000.00} {$3600.00} {$3600.00} XX/XX/XXXX CHARGE-OFF {$3600.00} Additionally I realized now the following Hard Inquires on my credit report which are not my own and do not meet the FCRAs Definition of Permissible Purpose All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : As ordered by a court or a federal grand jury subpoena. : 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 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 Unless the Credit Bureaus themselves can provide a subpoena showing just cause to allow these to remain they need to be removed immediately. 

And finally the following account was just added to my account and was not opened or authorized by myself and needs to be immediately removed : MABT - RETAIL XXXX XXXX  XXXX XXXX, OR N/A N/A $ USD XXXX
Consumer complaint received 2022-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Advanced Collection Bureau, Inc. (FL)

I have not received any correspondence to my address or phone calls. 

I spoke on XX/XX/XXXX with a Representative. They sent me a letter on XXXX the first notice, and They sent the letter to the wrong address. After someone who wasn't me called. They mention that they had left many voicemails but based on the Collection Act, once they leave one voicemail, they can not contact me ; I am not sure if that's how it works. They sent me only one communication for the file reported in XXXX, and that has been the only attempt, but they keep reporting me to the XXXX. 
I am disputing the account numbers below. 

XXXX XXXX XXXX I am requesting validation made according to the Fair Debt Collection The Practices Act, the Fair Credit Reporting Act, and local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent for a debt that I dont owe is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2022-03-03
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: States Recovery Systems, Inc. (FL)

The reason for my complaint is XXXX was not completed to my satisfaction. 

How does SRS have standing when the documents they sent you does not have a contract to collect from original creditor? What authority do they have? 

How did State Recovery Systems ( SRS ) verify I owe them money on a debt? 

I deserve to know the method used to verify this debt. I demanded original wet ink signature on application, not provided. 

Look at the documents they uploaded. There is no contract between SRS and the original creditor. 

How can they verify a debt that they have not proven is owed to them? 

Is this a violation of FCRA 1681 and section 609? FDCPA? 

Also I sent them a certified notarized letter that states that I do not recognize the signature on the contract that was claimed to be mine on a contract, I did not sign that, it is not my signature on any application and someone forged my name. 

Please have them remove negative reporting to 3 credit bureaus.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act all XXXX Accounts that doesnt have my correct information has reported incorrected information is a violation to my rights. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason My corrected Informtion is Name : XXXX XXXX XXXX Birthday : XX/XX/1979 Social Security # : XXXX Address : XXXX XXXX XXXX MI XXXX Phone Number # : ( XXXX ) XXXX