davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Key 2 Recovery, Inc. (NC)

I received a call from XXXX with Key 2 Recovery on XX/XX/XXXX concerning a collection account with XXXX XXXX from XX/XX/XXXX XXXX {$1400.00}. I informed her that I did n't have any debts with XXXX XXXX and am not familiar with any debts from there that I owe. I told her the statute of limitations have run out for such a debt that I do n't even owe from XX/XX/XXXX. XXXX asked if I was going to pay the debt and I informed her, no, because it 's not my debt and she hung up on me. After the call, I did n't receive any additional contact by phone or mail ( never received anything by mail ). Fast-forward to XX/XX/XXXX I receive a credit alert from XXXX XXXX as it relates to XXXX indicting I have an open collection dated XX/XX/XXXX from Key 2 Recovery Inc., and reported XX/XX/XXXX for a debt owed to XXXX XXXX in the amount of {$1400.00}. How could I have had an " open '' collection in XX/XX/XXXX? The debt was so old, that I was wondering why a collection agency was attempting to collect a debt that was over 17 years old that I knew I no longer owed and when they purchased the debt at that time it was their duty to do their due diligence. The reason I do n't owe or have such a debt is because it was discharged XX/XX/XXXX in Case Number XXXX under Chapter XXXX ( filed under my maiden name ) on Schedule F, Creditor # XXXX i/a/o {$1400.00} the exact amount Key 2 Recovery has reported on my credit report as a derogatory collection. How can a collection agency attempt to collect after bankruptcy and report a derogatory collection on my account after all these years on an account that was clearly discharged, stale, time-barred, not re-aged, and no documentation provided that the debt was valid? Having a collection account can jeopardize my job as a XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX as I 'm not able to have " bad credit '' and collections. 

This appears to be unfair collection practice as this company clearly ignored that this debt was no longer owed and did not validate the debt they clearly purchased over 15 years later, and they falsely reported to the Credit Bureau which can jeopardize my career.
Consumer complaint received 2017-12-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ok, Back on XXXX my husband become to be on worker comp from work, and we have a lot of problem back them. he was facing foreclosure from XXXX XXXX XXXX  and, he was going crazy to save the home ware we live with our XXXX kids. So he was refer to get help from XXXX XXXX XXXX XXXX, so they help him to save the property with o low montly payment until the situation change. Well with all this mess and bills, from al type that a home can have, with fill the banckcrucy chapter XXXX on XXXX and was aprove, we pay bak part of the money in 3 years of 5 year agreement, we dit a loan modification, and thinks star to change good for us ... now at that point my husbad have the home loan with XXXX XXXX, and the XXXX  XXXX XXXX XXXX borrow him the money to save the home ... when with dit the bankcrucy we have the benefit to have remove that loan because the hosue is under water..so he old XXXX dolarr on home morgage and the hosue price is only XXXX, plus the deb of {$19000.00} with interes and fees from XXXX XXXX XXXX XXXX . so this was aprove by the Agency and courth, and that deb become to past a unsecure deb, so was remove and we dont have to pay bak that loan. 
whern that happen i have to sing as JOIN on that loan since iam on the DEED of the property so we are secure if anything happen ... .Now i see on my credit report that show and iam traying to buy a home even if has been remove and we dont have to pay back and become a unsecure ..some bank are taking this as excuse to NOT aprove the loan ... .becasue this show on my credit. i have this dispute this to thenAgency tru the credit dispute page and the Agency dont wan to remove that from my credit. 
this was my husband loan with XXXX XXXX, iam not on that loan..and i have to sign that document from XXXX XXXX XXXX XXXX  because iam on the Deed ... and was the only option we have to sabe our home. 

this is what is hurting my credit score and bank or private lender dont wan to help me to get a new home for that reason.
Consumer complaint received 2017-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Mortgage transferred to Loancare LLC on XX/XX/XXXX.  Attempted to make payment, but was told not to send one in ( check ) because it wo n't apply to my account. Gave me a new mortgage number from them and attempted to pay online. Does n't work. Called them ( XX/XX/XXXX ) and was told they have no record of me. Told me to wait another 30 days and call them back. Mortgage is due today ( XX/XX/XXXX ). I just wish to make my payment on time, with no fees with an company who actually has record of me. It 's a bit odd to me that they gave me an account number, but it 's not valid through them?
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

There are Inquiries on my credit report from XXXX XXXX XXXX that I did not initiate or authorize.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 1681g ( e ) ( 1 ) Election of consumer to be excluded from lists In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. Lastly, I exercise my right per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given the said company written, unwritten, verbal & non verbal per 15 USC 6802
Consumer complaint received 2022-04-01
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. (RI)

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 2024-01-31
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: Experian Information Solutions Inc. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

please find attached my document, which i have mailed certified many times to Transunion, but unfortunately after many attempts, they are refusing to remove the suppression from my credit file, they have asked my to mail in letter because that is the only way to remove the suppression, but after each next day and certified mail, i have called and each time time they have mentioned they have not received my request as to remove the suppression, please i need you help to remove this suppression from my file, i am writing this complaint, because i need help. 
please have Transunion to remove this suppression from my credit file, since they are not being helpful in any situation thank you
Consumer complaint received 2018-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

XX/XX/XXXX To whom it may concern : I need assistance from your agency. Recently I applied for, and was denied a loan, due to the fact that a collection company by the name of XXXX XXXX, has placed a falsified, fraudulent collection debt on my credit files. 

This XXXX XXXX XXXX, has placed a falsified collection debt with a status date of XX/XX/XXXX on my credit files, as though I have had a recent outstanding balance owed to XXXX in the amount of {$500.00}, and none of this information is true. 

In XX/XX/XXXX, at the end of my contract with XXXX, I paid my last bill in full, and I have had nothing to do with that company in over 4 years. 

Back in XX/XX/XXXX, my sister and I were on a XXXX cell phone plan together, and during the time that we had that plan, everything that could go wrong for us with XXXX, and this plan did. 

We purchased telephones from them, and the phones were just garbage, constant issues, we were constantly trying to get assistance from their customer service, either by telephone, or we had to constantly go to one of their stores. 

Finally in XX/XX/XXXX at the end of our contract, we both paid our bills in full, and we transferred to another service provider. 

Supervisors XXXX XXXX, and XXXX XXXX from XXXX can verify what I have stated, my sister and I had dealings with them both at the ending of our contract in XX/XX/XXXX. 

This XXXX XXXX, has never contacted me regarding this fraudulent collection account prior to them placing this fraudulent debt on my credit files. 

Just a few months ago, I had to get my attorney involved, because XXXX had, had another collection agency to place this same fraudulent debt onto my credit files, and my attorney had contacted the other collection agency to remove the fraudulent collection from my credit files, or be sued. 

This XXXX XXXX is tarnishing, and ruining my credit rating by placing this fraudulent collection debt onto my credit files, and I want this fraudulent debt removed from my credit files immediately, and I want hard copy proof on their letterhead that this has been done. 

I would also like proof that they are licensed to collect in my state, as well as I would like them to provide their license numbers and Registered Agent documentation. 

I want XXXX XXXX, to cease and desist, I do not owe this fraudulent collection debt, or I will seek legal action against them. 

I want XXXX XXXX to reply directly back to the Consumer Financial Protection Bureau, and the Consumer Financial Bureau can contact me. 
This foolishness has to stop, and I want the Consumer Financial Bureau involved every step of the way.
Consumer complaint received 2017-12-01
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. (IL)

TransUnion had a server error, where the company had deleted inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! TransUnion failed to follow the LEGAL procedure to actually do so. When I called them to have the inquiries removes, they refused to do so. Below are the following inquiries : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, MN XXXXXXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, MN XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX/XXXX XXXX, NC XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX RI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, TX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, IL XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, VA XXXX XXXX  XXXX/XXXX/XXXX XXXX, FL XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, UTXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX, UTXXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, TX XXXX
Consumer complaint received 2022-09-10
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. (NJ)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-13
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. (CA)

I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.
Consumer complaint received 2020-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

TRANSUNION, XXXX  AND XXXX  IS REPORTING A BANKRUPTCY ON MY CREDIT REPORT. ACCORDING TO THESE BUREAUS, THEIR INFORMATION CAME FROM XXXX XXXX. I HAVE A LETTER ENCLOSED THAT XXXX XXXX COULD NOT VERIFY THE ACCURACY OF THE REPORTING IN THE BANKRUPTCY LISTED ON MY CREDIT REPORTS. I HAVE ATTACHED XXXX XXXX LETTER SAYING THEY COULD NOT VERIFY
Consumer complaint received 2018-01-07
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. (OH)

Filed a dispute with all three credit reporting agencies, that they are inaccurately reporting the following inquiries that I am not familiar with or not mine ( did n't authorized the hard pull of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX, 2016 and XXXX XXXX, 2016 XXXX and the 30 day later notice of : XXXX XXXX XXXX. Not accurate or mines. 
A certified mail was sent to the above mention, as of date, I have n't receive any response and the information is still being report, that impacting my ability to obtain further credit. Without Prejudice
Consumer complaint received 2022-10-05
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. (WI)

In accordance with the Fair Credit Reporting act 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 2021-02-08
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. (NY)

I've been attempting to remove fraudulent accounts from my credit report since XX/XX/2020. Its been over 7 months and the fraud accounts are still showing. The bureaus have been non responsive and for a process that should take 30 days has taken over 250 days with no end in sight. USPS tracking shows my letters are being delivered and signed for and yet the investigations haven't even been initiated. This is my last resort before I escalate this matter through the legal channels.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The negative balances reporting on this Experian consumer report have already been discharged under Article 3 of the UCC. Discharged instruments should not be reporting any outstanding balances on these accounts ; under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), consumer reports by definition are not to include any transactional amounts between the furnisher and the consumer of the report. I would like to dispute the validity of these accounts under 12 CFR 1022.43 of the CFPBs regulation of the Fair Credit Reporting Act.

Additionally, a proper privacy notice has not been provided by Experian regarding these accounts under 12 CFR 1016.1. I would like to request a proper opt-out form or use this CFPB complaint to opt of these items from reporting to this Experian credit profile as a privacy request under the FTC Safeguards Rule of the Gramm Leach Bliley Act.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WI)

{$5900.00} USD was paid to me in my Paypal account. Paypal indicated to me that money would be avaialble to me in 48 hours. The 48 hours has expired and they refuse to release the money to me.
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation (AZ)

The company is named Concord. That is all I know and they are trying to locate a XXXX XXXX at my telephone number of 12 years. I have explained on numerous occasions that this number does not belong to XXXX XXXX and to please stop calling. 
The number they call from is XXXX. 
Concord has called the following dates : XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - returned call advsd not XXXX number XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - returned call advsd not XXXX number again. 
XX/XX/XXXX XXXX - inbound At this time I have filed a complaint with the FTC as well. This company has also told me that they will remove the number from XXXX account. However ; they have not stopped calling.
Consumer complaint received 2015-06-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

Back in XXXX 2014 I either lost or someone stole my Debit card. A fraudulent check was deposited to my account through the ATM and funds removed ... I had maybe {$3.00} or {$4.00} dollars in account when I went to use it I was told my transaction was declined so I went on line to check balance and saw a transaction for food ( which I did not buy ) but also there was a pending deposit for I think it was {$2500.00} or {$2900.00}. The next day I went to the bank and informed them. I asked them if they could cancel the card and issue me a new one. They said no problem, we did that, they said I would get a new card in the mail and did I want a temporary card. Since I was n't expecting my XXXX check for at least another two weeks I said I would wait till new card came in. I kept calling them about reversing the charge for my {$3.00} or {$4.00} which when they finally did I was told they were closing the account and choosing not to open me a new one. At that time I did not pursue it cause I was dealing with a XXXX in the family, and I just transferred my XXXX direct deposit to my other bank account. I never got anything in the mail as far as I recall. Recently I opened a business account and deposited checks made out to the company and when I went to make payroll I found out that they had put a freeze on the account. I did n't know I could n't do business with them or that they were holding me accountable for what happened back in XX/XX/XXXX. I lost the company contract because I could not make payroll .... I do n't know what to do or how to fix this problem. I 'm XXXX it 's not too many companies that are going to give me a chance like this again.
Consumer complaint received 2018-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

I transferred XXXX litecoins worth {$13000.00} at the time from an external account. The funds were confirmed received in my Coinbase account. Coinbase then automatically transfers these funds to my XXXX account. However I received 2 emails one saying it was successful and one saying there was an issue and I will have to manually transfer it. The problem is now my XXXX litecoins do n't appear in either my Coinbase or XXXX account. I opened a ticket with coinbase and have yet to receive even an acknowledgement that they are working on this problem. It has been 5 days since the funds have been missing. Therefore I have been unable to buy or sell anything for 5 days which has also cost me opportunities. I know I am not the only person having this issue as there are several people who have posted on XXXX about this same issue and it has yet to be addressed or acknowledged by anyone at coinbase/XXXX.