davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (WI)

I have accounts my credit reports from all 3 companies reporting inaccurate information. I have open accounts that show inaccurate information. I also have closed accounts reporting inaccurate information and have made disputes with all three agency 's Equifax XXXX and XXXX that are just wrong and damaging my credit. I have tried disputes and serm to get no where they say they will remove the information and it'd still there. Also Equifax was hacked a few years ago and I have all kinds of inquiries that I haven't done hard inquiries ruining my credit score Under 15 USC 1681 i have the right to privacy and accurate informationand thr right to have all these acvoubts removed from my credit report. Under the law. 
I HAVE 11 ACCOUNTS THAT ARE OPEN AND ARE MOT ACCURATE.
Consumer complaint received 2021-06-09
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. (NH)

credit report from Transunion/FICO, XXXX, and XXXX/FAIR all report that I have serious delinquency Too many accounts open Too many inquiries last 12 months proportion of loan balances to loan amount is too high what are the serious delinquencies? 
loan balances are too high? no loans other than my school loan and mortgage How do I close my accounts without being penalized by credit reports
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted disputes with all three credit bureaus regarding a XXXX XXXX on my credit report. They will not remove this will not remove from my file I have disputed this so many finds
Consumer complaint received 2022-04-30
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. (NY)

CFPB Write up n accordance with the Fair Credit Reporting act 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 2018-02-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The company sent me some statements from a previous account that shows nothing about it. When inquired further they told me to pay my debts and stop complaining, its getting costly! In addition they have taken to harassing everyone I know to get in touch with me. 

The information I got does not substantiate ownership of the debt, it was all sent to a very old address and when I asked again for the signed contract and what the bill was for, they refused to send it. If they can not legally prove that I owe them anything than why are they contacting me.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY (MI)

I have made a just a legal attempt to get American Express to remove a credit report. I sent them Certified return receipt correspondence and after 30 days they failed to provide me with any information. After the failure and giving the due time I sent another letter giving them 10 days to show proof of the debts or delete the file. My letters were carefully written under guidance from a credit counselor and the only response is that they can not comply because they have a wrong address associated with my account.
Consumer complaint received 2019-08-27
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: Experian Information Solutions Inc. (NJ)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2022-04-30
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. (NJ)

On or around XX/XX/XXXX I found a fraudulent loan opened in my name. The lender, XXXX, Account XXXX, in the amount of {$10000.00}. I called XXXX and spent 48 minutes discussing the fraudulent account. XXXX provided me with Reference number XXXX. On XX/XX/XXXX I mailed XXXX a certified letter via XXXX mail XXXX XXXX, containing a Police Report, FTC report, Drivers License and Social Security Card. Along with a FCRA section 623 letter, demanding explanation of investigation procedures, proof of my signature for accuracy and verification. The letter was received on XX/XX/XXXX by by XXXX : XXXX. I havent received a single piece of documentation. Per FCRA, what XXXX is doing is illegal. Its now past 30 days. I am requesting this fraudulent account be completely removed from all 3 credit bureaus as it is unverified and inaccurate.
Consumer complaint received 2022-04-30
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)

I have submitted multiple requests to Experian about a collection account on my credit report. 

I wrote a letter dated XX/XX/2022, XX/XX/2022, and XX/XX/2022 asking Experian to investigate an account. Experian 's latest response was on XX/XX/2022 which was their latest update that the account was verified and updated on Report XXXX XXXX. I originally asked for a description of your procedures on XX/XX/2022 and Experian failed to respond with the information that I have originally requested. 

At this point, I am so upset and I feel so abused by their company that I have decided to file complaints. Experian has ignored me, treated me like an uneducated consumer, and caused my family and me great distress. Leaving bad information on my file has prevented me from obtaining credit to get a loan that is needed for consolidating debt and this is not fair to me or my family. 

I have also expressed to Experian that the XXXX account is not valid and is in violation of my HIPPA rights. I never signed and authorized a HIPPA release form for them to have my personal medical information and yet they do.
Consumer complaint received 2019-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo sent me a letter dated XX/XX/2019 saying they would investigate the XX/XX/2019 Complaint id : XXXX. They said they would follow up by XX/XX/2019. I have heard NOTHING. 

I see in the notes tracking the above complaint that Wells Fargo needs more time because they can't get a hold of me. I've tried numerous times to call XXXX XXXX at Wells Fargo and have never gotten through. I've left at least two voice messages and I opted out of their automated system to talk with someone else. I was told XXXX was the one I needed to talk with and that Wells Fargo couldn't give me an email for XXXX. 

I did try talking with my original loan representative, XXXX XXXX, and he said he thought they would dig into the details. 

XX/XX/2019 Status Now : I've left voice message for XXXX XXXX and sent an email inquiry to XXXX XXXX. 

I honestly don't think they care any more than they did when they rejected my refinance request due to not having enough time in my industry ( 15ys ) and because they can't verify compensation ( I own the company and sent my income to them ).
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (GA)

XXXX  XXXX XXXX ; is trying to collect a debt that's not mine. XXXX XXXX had sold the debt to XXXX XXXX ; which XXXX XXXX mark the debt as ID theft and stopped all collection ; XXXX  XXXX then rebought the debt and then sold the debt to XXXX XXXX XXXX, which is attempting to collect a debt that's not my and have being mark ID theft, XXXX  XXXX understand that's its ID theft also ....
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (FL)

Hunter Warfield is attempting to collect several application fees from apartment complexes in South Florida. I did not apply to these apartment complexes. I contacted Hunter Warfield on XX/XX/2023 regarding the fraudulent collections that they have placed on my credit report. Hunter Warfield stated that they needed and affidavit from ftc.gov, a police report, and two forms of ID to investigate and possibly remove the fraudulent collection.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NC)

I want to increase my monthly payment by TRIPPLE of the minimum and Goldman Sachs refuses to do so. 
I either am FORCED to continue minimum payments of {$61.00} or the ENTIRE balance of {$2100.00}! 

I am not in a position to pay the entire amount but DO want to pay it off ASAP as of the $ 61 monthly ... my balance only goes down by {$20.00}!!!!!!!
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A company called " XXXX XXXX XXXX '' is reporting on my credit claiming to hold an old debt by CAPITAL ONE BANK. I do not owe this debt, CAPITAL ONE BANK was paid, so I do not know who or why this still shows. I've tried disputing this with proof of payment to all XXXX credit reporting agencies and no one actually calls to verify the information and remove this information.
Consumer complaint received 2018-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

On XX/XX/XXXX I sent a wire of XXXX usd to company called coinbase, the money was to be credited to my account with Coinbase, i planned on using these funds to purchase crypto currency. I was informed via email from Coinbase on XX/XX/XXXX, that the wire can not be processed due to the wire not being sent from my personal account. I was informed via the same email that the wire would be returned within 7 business days. Today is XX/XX/XXXX, almost 2 months since I've sent the the wire. I have submitted multiple cases to which I am receiving no response, I have escalated, I have called, Ive filled a complaint with the Attorney General. I have bills that I am behind on and request your aid in resolving this issue. 

Case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MD)

On XX/XX/2018 Coinbase.com locked my account with no warning and has not provided any service in helping me access my funds. I have taken a serious financial loss as a result of their ( non ) actions. I received an automated email that the name on my bank account does not match the name on my driver 's license, which is simply not true. I've tried upwards of 5 times to contact Coinbase and have this issue resolved but I can't even get a response to an email from them. Phone representatives refuse to provide an estimate of how long it will take them to fix my problem. Again, this is a 30 second fix to verify that my name on my bank account matches the ID I have provided them. I'm taking serious financial loss from their lack of any support at all, and I desperately need your help. Thank you.
Consumer complaint received 2022-04-30
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: Transform Credit Inc. (GA)

There is a fraudulent account on all three credit bureaus. The company is transform credit inc . I did not open an account this company and I did not recieve any money from then. The website is https : //transformcredit.com/ I need this removed from my credit immediately
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX is reporting 10 inquiries on my report that are fraudulent. Ive never had accounts with these businesses and where have I requested to open accounts with these businesses Ive disputed them dozens of times and they keep mailing back saying that they were accurate but when I asked for the information and determining The decision they never comply and send it but the letters state that I have the right to request this information but i never received anything only letters saying that my disputes are frivolous. Its very frustrating because I feel like Im at the point Im being discriminated against because they dont want to do their job that theyre paid to do which is investigate each inquiry.
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CONTINUE TO CALL MY WORK, I AM IN PROCESS OF TAKING CARE OF THE {$600.00} DEBT CONTINUE TO CALL EVEN AFTER XXXX AT NIGHT ATLEAST XXXX A DAY. THEY HAVE CALLED MY WORK 3 XS THIS WEEK
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

On Friday XX/XX/XXXX i made two payments toward my card balance that would have brought it down to zero and freed up XXXX  in credit. Today is Wednesday the following week and theyve just released one XXXX XXXXXXXX payment and claim they cant release the other XXXX until the XXXX. Its the same XXXX the same bank account. The hitch with this card is that it gives cash back on purchases so if I charge and then pay off right away without interest they make less on me than other consumers. And theyve noticed it. The care rep on Friday said my account is on watch because I cancelled an auto payment because I paid early. They cant hold my payment for almost two weeks - that cant possibly be legal.
Consumer complaint received 2018-02-14
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)

XXXX XXXX in the amount of {$610.00} is reflecting on my credit report. This account has not be properly verified according to law. XXXX XXXX still has not sent anything to properly verify this account. No receipts, statements, proof of applying, proof of address that was associated with this account. And they are still allowed to have this on my credit report. 
Also, I have no contract with this company nor have I signed anything or have ever been notified. That is AGAINST THE LAW!
Consumer complaint received 2021-09-14
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. (MD)

I am a consumer as identified in the FDCPA under 1692a ( e ) an I have the right to privacy pursuant to 15 USC 1681a ( 4 ). This identity theft pursuant to 15 USC 1681 ( 3 ). I understand pursuant to 1681c ( 1 ) you have the authority to decline or rescind. This information I am presenting is requested in an affidavit of fact so there is no misrepresentation of the fact.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

609 dispute letter Dear Dispute Department : I am writing to inform you of an error on my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 
Account Name : WELLS FARGO DEALERS SVC Account Number : XXXX Description of Dispute : Account has reported non payment since XX/XX/2020, payment did have prior late payments due to XXXX financial disaster. Account reports closed account when is current and open, has reported bad payment history, Incorrect loan holders information, Incorrect. 
Evidence Enclosed : have spoken with both loan provider and credit reporting company. Please advise. 
I am requesting that you remove this information from my credit report. Thank you for your help. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc. (CA)

Was during covid, I was promised by CMRE that I could pay as little as $ XXXX {$50.00} per month payments and if I could pay more one month and skip the following month that was allowed. So I doubled paid one month and paid off all accounts in full by XX/XX/2021, CMRE reported delinquent accounts when they were paid in full and they did not honor their word verbal contract stating paying more one month and skip of a month payment when funds not available to pay was allowed. CMRE has been called at least 10 times Ive spoken to several agents who say they see all accounts are paid in full and that all bureaus will be updated. However they keep reporting delinquent or open account that is delinquent. This has impacted my credit score by at least XXXX points negatively. I even spoke to the CMRE manager back in XX/XX/2021 he said there is nothing they could do to reverse the negative report, even though I was told on several occasions during covid hardship that I could pay what I could, whenever I could pay double payment to cover up coming months payment and that I would not be reported negatively to the credit bureaus. CMRE medical collections company has been paid in full for all accounts yet they claim I was late payment XX/XX/2021 and had paid them XXXX double the agreed amount. I also paid off accounts XX/XX/2021 in another verbal promise to report my accounts positively to all three credit bureaus, this never happened. Ive checked in monthly and my credit report still has CMREs negative report from XX/XX/2021. 
This has caused hardship in purchasing a new home.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (NC)

ON XX/XX/XXXX Receivables Performance XXXX a collection agency reported a debt on my credit reports that somebody who stole my identity owes them. The original creditor the collection agency purchased the debt from is XXXX XXXX. They state the unpaid date of 1st delinquency is XX/XX/XXXX and balance as of XX/XX/XXXX is {$1600.00}. I disputed this with XXXX and other credit reporting agencies and clearly stated that this is not my debt. I never had service from XXXX XXXX in my life neither have i ever lived at the address linked to the XXXX XXXX service that was unpaid by the identity thief. Still XXXX has wrongfully concluded after I sent them proof of my real address that never had service from XXXX XXXX and i quote " We verified that this item belongs to you '' and instructs me to contact the collection agency. Last year i put a fraud alert on my file when i first became aware that my identity had been stolen and used to acquire services.these agencies are failing to protect me
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I contacted Experian about the following negative accounts 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 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  ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The list of inquiries below should not be on my credit report : -XXXX XXXX XXXX XXXX, XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX