davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-16
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: CORELOGIC INC (CA)

I looked up my credit report on XXXX and found a hard inquiry done on my credit calles XXXX XXXX XXXX XXXX, I never heard of this company or even applied for credit with them or if this is even a real company.
Consumer complaint received 2021-09-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (UT)

In XXXX my friend and I had made a deal and he send me XXXX XXXX coin approximately valued at XXXX XXXX He sent it from his binance account to mine but messed up the MEMO order. After seeing I didnt receive this transaction I reached out to Binance.US support and finally after week got a response. Finally they asked for all the details screenshot, and actual videos of me and the sender to prove I was the correct recipient. Finally they told me that the XXXX would be credited to my account! Ive been waiting and waiting and now 1.5 months later and me being unable to get them to reply to any of my messages or emails to figure out whats going on! Please help me Ive filed with SEC, FTC and now here please help me!
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Violation of the Fair Credit Reporting Act by TRANSUNION. 

I have gotten deletions of certain items on my consumer report, however I find that TRANSUNION is picking and choosing what they would like to remain on my Consumer Report/File. 

Please see attachments. It gives proper timeline of my attempts to contact Transunion by mail, hand written letters, typed letters and phone calls that last over an hour with no result. 

This is doing harm to my ability to move in commerce as a consumer and it is harming my reputation and character. 

I mailed my latest request to XXXX XXXX XXXX, XXXX XXXX, PA, XXXX - United State Postal Tracking Number XXXX.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MEDICAL BUSINESS CONSULTANTS, INC (FL)

LATEST CREDITOR : MEDICAL BUSINESS CONSULT ORIGINAL CREDITOR : XXXX XXXX XXXX DATE REPORTED : XX/XX/2018 BALANCE : {$920.00} MEDICAL BUSINESS CONSULTANT XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX PHONE # : XXXX ORIGINAL CREDIT PERSISTENTLY RESELLS DEBT THAT HAS ALREADY BEEN PAID TO NEW CREDITORS. THIS DEBT REAPPEARS FREQUENTLY. THIS DEBT HAS ALREADY BEEN DEEMED INACTIONABLE BY THE CREDIT REPORTING AGENCIES. TO CONTINUE TO PLACE THIS ON MY REPORT IS AGAINST THE FAIR CREDIT REPORTING ACT AND I WILL PROSECUTE. REMOVE THIS DEBT IMMEDIATELY AND QUIT RESUBMITTING IT AFTER IT WAS SUCCESSFULLY REMOVED.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-05
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: EQUIFAX, INC. (CA)

I submitted a previous FTC report to have inquiries removed from my report after my car was brpken into and my wallet was taken. 

the previous FTC report was submitted with errors for the follow inquiries : XXXX XX/XX/XXXX DATE SHOULD BE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. DATE SHOULD BE XX/XX/XXXX XXXX XXXX XX/XX/XXXX. DATE SHOULD BE XX/XX/XXXX The report I received Confirmation # XXXX indicates the inquiriy XXXX  XXXX/XXXX/XXXX was deleted but the inquiry is still present on the report. There's another date for the same inquiry that should be deleted as well : XX/XX/XXXX.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (FL)

I have a letter from XXXX that a fraudulent account that was opened in my name was investigated and was completed with the results being they determined that the account must be deleted which is right .... the account was never opened by me ... I sent all documentation proving that and they completed it and ruled in my favor .... I sent the supporting documentation to XXXX for them to delete the account and instead they removed like {$270.00} and updated the account ... the account was not supposed to be updated it was supposed to be deleted ... and Im hereby asking them to comply, if XXXX went back on this letter thats their issue not mines it must be deleted thats the resolution we came to ....
Consumer complaint received 2022-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C XXXX 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 

XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. 

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
Consumer complaint received 2020-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: La Casa Bonita Investments (GA)

The company 1 file.org contacted me about student loan forgiveness. They charged me 3 payments of {$210.00} to process my paperwork and charged me a maintenance fee of {$29.00} XX/XX/XXXX, XX/XX/XXXX. I reached out to them in XX/XX/XXXX the phone number was no longer in business and no one never responded to my email. I am still unable to to find a contact for the business.
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/2019 our home was damaged due to an electrical fire. My family has not occupied our home. The funds of $ XXXX has been deposited with the Select Portfolio Service for disbursement to my contract. A payment 1 of 3 was to be mailed today in the amount of $ XXXX. SPS has informed me via the web-portal ... XXXX   that only the amount of less than $ 27K has been released. However, this comes after weeks of being told that the check is in transit. Now, my contractor is ready to walk-off the job and sue me for breech of contract as he can't start the re-build process without the funds. In addtion, due to this delay, my insurance housing allowance is being exhausted and my family is now facing the issue of not having enough funds to cover our housing due to this one-month delay. I'm requesting immediate assistance to resolve this issue.
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NE)

On XX/XX/2021 the law firm of XXXX XXXX based in XXXX Minnesota and licensed to practice law in Nebraska and as a debt collector was representing Midland Credit Management also a debt collector attempted to get me to pay for legal fees or interest before a judgement was first received in court. 

Federal courts have previously ruled that debt collectors can't collect attorney 's fees or interest from people without first receiving judgment from a court in a debt case. 

Im reporting them in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (NV)

XXXX XXXX sent a bill to Aargon Collections but I was unaware that I owed anything since I have insurance. I just recently found out that I had a collection because I ran my credit. I contacted Aargon and let them know that I never received a bill from from XXXX or any documents from Aargon. I never had the opportunity to pay this prior to this reporting on my credit which is against FCRA laws. 

I should have been given a reasonable amount of time by both parties listed above prior to this reporting on my credit by law.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (CA)

I asked the collection agency to validate the XXXX debt they have been trying to collect on. I received no response. Instead, I experienced more aggressive collection activity. I explained to them that this has been paid long ago and that they were reporting this same account several times. Since they refused to validate the bill I then disputed this account information as inaccurate with the bureaus. 

When I asked for validation of the debt I asked for very basic items. Absolutely no response. FCRA requires a debt be verified 30 days during which time the disputed debt is not supposed to be reported. 

The collection agency is ignoring my requests for validation, reported a disputed debt, and is re-aging and duplicating the same exact debt that was paid long ago.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (MI)

It was shown that I applied to a Barclay 's credit card last month. I never consented nor was I even INFORMED that I was getting a credit card. I repeatedly stated i was not interested in ANYTHING they had to offer, let alone a credit card for a company I've never heard of. Only for this card to show as opened days later. I believe it was done on the XXXX and I recieved notifications today of an account being opened.
Consumer complaint received 2021-09-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I filed a dispute with Transunion on a collection account that is on my credit report. The company will not remove the account from my credit after the account as been paid and closed. I have talked to Transunion and they said they are going to remove the account because the collection company will not agree to it. A third party collection agency should not have the right to decide. They are a third party and have no right.
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

I was scammed of over XXXX dollars and sent money to a Chase account supposedly was supposed to be sent to help a romantic scammer, he had me wire money to a Chase Bank account, I did not know this person and have provided the persons name and account number from Chase back and nothing has been done, I'm sure I have not been the only one that has sent money to this account and would like this account and person investigated. 
Chase Bank XXXX XXXX Routing number XXXX Account number XXXX
Consumer complaint received 2022-01-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please remove negative items off my report I have reported identity theft multiple times and my claims have not been returned or has been completely ignored I have submitted documentation as well this has been a very hard time in my life please remove off my report
Consumer complaint received 2021-12-01
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was recently made aware that I was affected by the XXXX XXXX breach, and upon checking my credit reports I noticed inquiries that do not belong to me XXXXXXXX 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 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NM)

A promotional flex pay transaction contracted for 6 mos, have made 5 payments as contracted, now in XXXX statement says the three transactions, originated in XX/XX/year> states 7 has 2 payments left when only one left. # 8 has 3 left, when only one exists, 9 states 3 left when only one is due. Balance on card reflects incorrect balance amounts. Made three calls to customer service, first rep XXXX lied said different acct credited in breach of agreement, asked to talk to supervisor put on hold for approx XXXX hr then hung up on. Called back twice hung up on both times when asked for supervisor, then supervisor XXXX answered then falsely said he couldnt understand me, connection. Need statement to reflect true I payment left on flex pay accts 7 8 and nine and reduce balance accordidinly. Feel very poor program AI or taking advantage of a XXXX yr SS recipient.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KS)

I have an Activation Code from XXXX for Identity Theft Protection due to a Breach in their system. In my activating the Code ; Equifax system does not allow me to Activate the Code via their website after entering all of my information, setting up an Equifax account website & answering the system questions of information in my Credit report. ( I did not do the text message to my phone since the phone is for CALLS ONLY. ). I called the Equifax Customer Service # & after all of their " automated '' junk I was able to speak to XXXX. She took the Code & claimed she is connecting me to their " specialty team '' of which I am not given a phone # to call them in case I get disconnected. I waited for about 20 minutes & no connection. I called Equifax website Accessiblity phone # & went through the whole automated & was able to speak to XXXX XXXX being who stated their system just decided to do an update & to call back in a couple of hours & someone would help activate the code. I did not get to discuss the website Accessiblity information & she could not explain why the system is not working yesterday via their website for me to activate the Code. In several attempts of activating the code via the link XXXX gave I am getting the same information except not able to answer any questions pertaining to information on my Credit Report. equifax needs to make things more Accessible for XXXX, they need to take care of their Customers, & quite lying about their system be in the internet or their employees.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONRAD CREDIT CORPORATION (FL)

Thank you for providing the original contract with XXXX XXXX. While this confirms my obligation to the original creditor, it doesn't establish your right to collect this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request debt verification and you are obligated to provide it. To proceed, I require verification of your legal authority to collect this debt on behalf of XXXX XXXX. This verification should include my authorization to sell or transfer the account to the collection company.
Consumer complaint received 2022-01-16
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Please remove negative items off my report I have reported identity theft multiple times and my claims have not been returned or has been completely ignored I have submitted documentation as well this has been a very hard time in my life please remove off my report
Consumer complaint received 2021-09-16
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. (FL)

on XX/XX/2012 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX these addresses are undeliverable by the US Postal Service AND SHOULD BE DELETED/REMOVED IMMEDIATLEY.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX, XXXX  AND TRANSUNION ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt