davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Altisource Portfolio Solutions, S.à r.l. (FL)

XX/XX/2018 Today, I tried to resolve a credit card issue with XXXX XXXX and their Collection Agency, XXXX XXXX. My mothers account was canceled several months ago. The statements were being sent to a different address than hers in Florida. 

XXXX XXXX said they sent the account to their collection agency for non payment. I called the Collection Agency and tried to resolve the matter and the collection agency wanted to speak with my mother who is XXXX XXXX XXXX. They started arguing with her and harassing her and demanding to get her bank routing number. I told her not to give it because they would not send any records of her charges and dates. They demanded to get her bank routing number and would not even take a credit card # to pay the outstanding balance. 

I am filing a complaint against XXXX XXXX and XXXX XXXX for treating customers this way, especially vulnerable elderly people.
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (ME)

My name is XXXX XXXX Im a hard working XXXX  in XXXX XXXX Maine resident. on XX/XX/XXXX I traded for millions of Gyen.x on Coinbase. Later that afternoon the price went way up and Coinbase. My account said I had 10x what I bought and they wouldnt allow me to sell! Then minutes later they froze the ability to trade. They actually took away the sell button and access to our funds for weeks leaving us not able to get out when it crashed back down! I invested about XXXX $ for my family. They did not allow us in our accounts for weeks. After they did it was down thousands. Then later that week the completely locked up my account, took all my money out and said I owe them for a transfer that I didnt make to another digital wallet. I dont have any digital walletss! All of the transactions has long since cleared. I told everything that happened and they have done nothing to fix it! I have multiple screenshots to prove everything that happened including the sale history with my purchase in the millions of GYEN.x later changed to only thousands by Coinbase around XXXX pm. This happened to thousands of people!
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (FL)

I had a XXXX XXXX credit card XXXX account that was charged off. I settled this account out directly with XXXX XXXX  for {$840.00} and the payment cleared my bank account. Months later now I am getting contacted by a collection company called MRS BPO trying to collect on the same debt. Not only has the account been resolved it is still on my credit file as if I owe and now a collection company is reporting I owe as well. 

Please help
Consumer complaint received 2022-12-20
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. (CA)

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and XXXX, and hoping that these accounts will be corrected. 


XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX  XXXX XXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$400.00}
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IN)

Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I made FIVE purchases from XXXX with by Barclay XXXX XXXX Credit Card, totaling {$4800.00}. All of those purchases coded as purchases - no problem. 

On XXXX/XXXX/XXXX I made a {$5000.00} purchase on my Barclay Arrival Plus Card from XXXX ( same merchant ) - and I was charged {$250.00} for a cash advance.

I contacted Barclay and got a stock response - but no reason why the coding changed all of a sudden and without warning - costing me {$250.00} in fees. This is an unethical thing that Barclay Bank is doing to the consumer, especially considering less than a week before, multiple purchases were made from the same merchant with no additional fees.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX  ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) reference # ( XXXX ), has violated 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
Consumer complaint received 2018-01-25
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: Siggi LLC (GA)

This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. I'm aware of the breach that happened to XXXX  and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Business Bureau (GA)

On XXXX XXXX, 2017 I received an alert from XXXX XXXX XXXX that a collection was added to my XXXX and XXXX credit report. I have never received a dunning letter from this company to validate or dispute, the account was just added to my credit reports.
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I called Wells Fargo on apx XXXX/XXXX/XXXX regarding a discrepancy in my XXXX County Tax bill and the amount that was paid through my escrow account. My tax bill was apx {$7000.00} and Wells paid XXXX County {$7300.00}. This discrepancy was confirmed while I was on the phone with the initial agent. However, I was advised that THEY would receive the refund and that my payment would not be updated to reflect the error in the tax bill because " my loan was new '' and that while they would normally update, since they were n't sure what my taxes would go to, they are just going to keep the amount. I advised that was not acceptable, because the reserve cushion was set in place for such instances and I was getting hit twice because I paid XXXX too much and then I was paying 16 % of the HIGHER number to calculate a cushion. I was advised that they would give me an answer within a week or so. On about XXXX, I called to check on the status and also called to request that 1 month of cushion be removed. I was escalated to the office of the president and was referred to XXXX XXXX, who had NO information or apparently no access to the previous information from the initial agent. She said she had until XXXX to give me an answer on BOTH the initial request and my new request for a reduction in cushion. She called me today and STILL had no answer for me. She told me that she still needed to confirm if my closing documents REQUIRED me to pay a cushion. I advised that RESPA does not require anyone to pay a cushion, it just says that you can collect up to 2 months. I work for XXXX and we remove cushions at the agent level DAILY. I am urgently waiting to hear back because my XXXX payment includes a shortage of {$4500.00}. From my calculations, at a min that is off by at least {$900.00}. There appears to be no sense of urgency however with this agent. She STILL had no information on the obvious error in the tax amounts which the previous front line agent was able to confirm on the initial call. In addition, her customer service left much to be desired. It was quite evident that she was frustrated with me because I was not ok with still having no answer almost a month later.
Consumer complaint received 2021-09-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

For bankruptcy public records collected through XX/XX/XXXX, Experian obtained information about bankruptcies from a third-party vendor, XXXX. Due to an error on my credit report, the bankruptcy was found to not belong to me and someone of a similar name. On XX/XX/XXXX, I filed a dispute to omit the erroneous bankruptcy of my credit report. The bankruptcy came back on XX/XX/XXXX as " Verified '' although there is no Bankruptcy on my XXXX XXXX Consumer Report and a court-sealed certified document showing a name that is not mine and dates that contradict when the bankruptcy was served and filed ( Certificate of Service ). 

After providing sufficient evidence that the Bankruptcy is not mine through Court Sealed documents and my XXXX XXXX Consumer report on XX/XX/XXXX through USPS tracking number XXXX, Experian verified the Bankruptcy as Verified XX/XX/XXXX despite no Bankruptcy ever being on my XXXX XXXX Consumer Report & not properly citing who is the furnisher of that information. This is report number XXXX and XXXX.
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX 2017 {$130.00} XXXX XXXX XXXX XXXX Sent a letter in the mail to my grandmothers address attempting to resolve a debt that DOES NOT BELONG TO ME! Ive been victim of ID Theft and have a similar name as my father and grandfather that Im estranged from. Remove this and the harassing calls ASAP!
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXX XXXX XXXX  - Account NumberXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX XXXX - Account NumberXXXX XXXX  XXXX - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX XXXX XXXX - Account NumberXXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account NumberXXXX This is not mine. 

XXXX / XXXX - Account NumberXXXX Please Update all payments, all pay was made on time
Consumer complaint received 2018-01-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

People keep calling saying they are from a law firm and they say they are going to prosecute me for theft by misrepresentation if I dont pay them but they will not provide documents or proof of the claim. They keep threatening to come to my job and serve my boss. They say its for ace cash. I did use ace cash about 4-5 years ago but I payed it in full. I feel this is either a scam or not lawful. Thanks Here is the number that they called from today. 
XXXX
Consumer complaint received 2021-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (CA)

Damages have occurred to me as the original creditor and consumer. I believe EXETER FINANCE CORP violated GAAP law. I want the details of the alleged agreement this institution wrote in accordance with GAAP. I want to know how my promissory note was purchased if a loan has been issued. I want the original promissory note to see the stamps, to see if the proper endorsed party is receiving payment. 

If the EXETER FINANCE lent their money to purchase my promissory note, then I am testifying that the bank violated the law- GAAP . Per GAAP and Federal Reserve publications, two loans were exchanged. I lent the promissory note to the bank that funded the loan back to me. The loan from me to the bank is the deposit of the promissory note. GAAP requires that the bank match a new bank liability with my name on it showing that the bank owes me for the deposit they accepted from me just like they do when I deposit cash into my checking account. Bookkeeping entries will say that if I withdraw my money the bank lent me nothing. The contract says the bank lent me money, but the bookkeeping entries say the bank accepted my promissory note as new money, as a deposit, just like depositing cash into your checking account. My signature can not testify that the bank lent me the banks money to purchase my promissory note, but the bookkeeping entries prove that they lent no money to purchase my promissory note. If I lent the bank money as a deposit, the bank accepted the money from me, the bank never gave up one cent of its money. The bank accepted money from me and deposited it which is the opposite of lending me money. If I lent the bank money and they never returned the same value back to me, then my note has been stolen and this contract is illegal. 

I Entered a dealership for a consumer credit transaction to extend credit to myself as the original creditor. I was misled as to who the original creditor would be. This contract was illegally assigned to EXETER FINANCE without my consent. No right of rescission paperwork has been conspicuously given to me and is not included in this contract. I was never given the option to include insurance in the finance charge. The finance charge is the sum of all charges and many misrepresentations of the finance charge is embedded in this contract. EXETER FINANCE committed fraud and identity theft. Fraud and identity theft renders any contract void. This contract is void. I claim full possession of the property, demand the pink slip mailed to me, all payments directed back to me by check and civil liabilities for federal law violations. I have a right to privacy and fair debt collection practices. My consumer rights are being violated.
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pinnacle Asset Management, LLC (NJ)

This debt was from XXXX XXXX. When I first moved into house I 'm in now I wanted to put XXXX in house and I was told by XXXX I could n't until I paid the XXXX XXXX account, so I made a payment agreement and they put XXXX in the house and I paid two XXXX bills at the same time monthly. After 6 months the XXXX XXXX account was paid in full. I do n't owe this account anymore.
Consumer complaint received 2018-01-25
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. (MI)

AN ERROR ON MY CREDIT REPORT only had XXXX ( instead of XXXX XXXX XXXX XXXX ) so I disputed it so they could correct it. 

I got the corrected report, which suddenly has THIS tacked on at the bottom of it now. 

" This address may be perceived as a high risk because it has pertained to a business, or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX XXXX WA XXXX. 

BOAT REPAIRING : XXXX XXXX XXXX XXXX, XXXX, WA, XXXX " This is NOT true. This is an apartment complex on Federal land for Military, which also takes a few civilians. I lived there from XX/XX/XXXX through XX/XX/XXXX with my son. I am XXXX y/o and XXXX. My son worked as a XXXX XXXX for XXXX XXXX. 

NO ONE at this apartment address! 

I tried to send information and upload a PDF of proof ( TWICE ) but all I got was a notice that there had been " inactivity '' and it signed me off. WRONG. The second time was fully active and took less than two minutes to complete when I selected to upload the PDF. 

While I am at it, for the past two years I have never been able to sign into Equifax and they always wanted you to write to them to get your " Free Credit Report '' and NOW I am affected by the breach and hack on their site.
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: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, has violated 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
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Collection Agency, Ltd. (CO)

In XX/XX/2021 I received a letter from Continental Collection Agency for a {$5500.00} debt for a former apartment I had stayed at. I contacted the agency and was trying to explain to one of the collectors that I was not responsible for this debt and I no longer lived in the apartment when this debt had been sent to them. The man became irate with me and yell at me that I was responsible and they had proof. I asked for proof and it was a piece of paper with my name and my ex with a break down of what was owed and the dates it was accumulated. Once again I repeated I did not live there during this time, I have proof and they still have kept it on my record. I even asked for the signed documents they had and the did not send it. To add my ex was evicted from this apartment before the dates the landlord had stated. I have pulled my mail, witnesses, court documents, and my former lease that proved I did not live there and he was evicted.

For documents I have attached the letter they sent us stating the dates that the debt was accumulated. I have added documents with dates that prove I no longer lived at this address. I can also add court papers about this situation but my name is not on these forms.
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

Apparently I was sued for an unpaid debt by midland funding LLC. They sued " me '' for an amount of  XXXX   '' in the county of   XXXX . I 've been trying to remove it off my credit reports. I never went to court or signed any forms stating admission of debt. Please help me resolve this.
Consumer complaint received 2018-01-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (FL)

Looking at my credit report on XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$37.00}, {$91.00} and {$290.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this collection agency and have never received any information from them prior to my credit report being threatened with negative remarks. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TX)

I contacted XXXX regarding an acoount in my name that was fraud.I was sent an affidavit and I signed.I was told the accout was resolved.Now I have a clooection company contacting me regarding a balance never made and this impact my credit