davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX  XXXX XXXX Account XXXX XXXXAmount XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXXXXXX XXXX XXXX/ Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # XXXX
Consumer complaint received 2021-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

I opened my Atlantic Union Bank account XX/XX/XXXX with Unprofessional woman Named XXXX XXXX at XXXX XXXX XXXX XXXX va She was rude and I had issues with depositing check for alimony Rude tellers XXXX XXXX is a thief and into Extortion and Discrimatory acts and defamation I was in atlantic union bank at XXXX XXXX XXXX XXXX XXXX va and XXXX XXXX said I could not have money money Why not I just got my check I have written five I just mailed my mortgage..she said XXXX XXXX and XXXX XXXX said I didn't want to bank at XXXX XXXX I said what are you talking about I said I want to get money I was threatened by XXXX XXXX and XXXX XXXX and told I was going to go to jail Why I was humiliated I called XXXX Report this behavior to State police and XXXX police XXXX I am waiting for Detective XXXX to call Me and XXXX XXXX director XXXX had the calls XXXX has one too Today I got XXXX from XXXX at XXXX Atlantic union and they refused to give me my receipt I went by Atlantic Union XXXX XXXX XXXX and in drive through line I was attacked by XXXX XXXX She jumped on my car to give me a letter I got in mail that said I had to finish banking by XX/XX/XXXX These Criminals terrorism me I called XXXX as I went through drive through I was verbally banned XXXX XXXX is extorting money Why is she violating FDIC laws?
Consumer complaint received 2020-07-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

US BKPT CT TN XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX   that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  XXXX XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX/XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed XXXX XXXX Account XXXX This item was either updated or deleted. Please review your report for the details. 
Show Details | View your Report | View your credit score Processed + 'icon ' Processed filed ftc
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America frozen my account my funds werent available to me in the pandemic when I was on unemployment causing me to lose my vehicle threw repo. getting behind on bills. And rent. This is very stressful emotionally and financially unable to get a hold of anybody about money owed to me, and being sent in circles to fix and problems. I loss a lot.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX {$390.00}
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery Associates continues to call my spouse about my debt from 5 years ago. He has repeatedly told them to stop calling and they continue. They call about 10 times a day from 10 different numbers. I also never received any written documentation about this debt to any address Ive ever lived at.
Consumer complaint received 2021-03-01
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: Experian Information Solutions Inc. (FL)

I made a purchase against my will off a cruise ship in XXXX at a store, XXXX XXXX, when the sales person coerced me, promising me gifts to complete the purchase. When I got home and realized that he lied to me, I called to return the merchandise. I had already given away what I thought were gifts, therefore, I paid for those and returned the balance. 
I was told that I can only be given store credit and that I will have to contact the XXXX Department, XXXX XXXX Bank, regarding my account, which I did. To date, the matter has not been resolved. After a year going back and forth between store and bank, they finally told me that there is no records indicating that the merchandise was returned. 

I will attach a copy of the letter acknowledging receipt of the merchandise, and copy of store credit as well as the last letter I sent to the bank.
Consumer complaint received 2021-03-01
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. (LA)

Experian did not send me a validation letter to XXXX XXXX and XXXX  need the original contract with my signature to prove its my debit need it remove off my credit report XXXX XXXX and XXXX
Consumer complaint received 2020-10-19
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. (MO)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN UP SEVERAL ACCOUNTS IN MY NAME.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Equifax has completely lost my credit file. I was a victim of the data breach in XXXX. Since XXXX of XXXX Lenders are unable to access my report neither am I. I have been trying for 8 months to get this issue fixed. It has become a major burden as I am now trying to gain approval for homes, cars etc.. I have a credit score of XXXX but equifax has no record of it when I try to pull my report on XXXX XXXX XXXX I am also not able to create an account on their website either as it gives me an error when trying to get my report as if I dont exist. I have spoke with them more than 10 times about this and each time I am told the IT department will reach out to me but I am never contacted. I need my report ASAP
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

XX/XX/XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  {$720.00} XX/XX/XXXX XXXX  XXXX  {$710.00} these accounts was an result of identify theft. These companies was requested for deletion. company agreed.
Consumer complaint received 2024-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX for inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681s-2. 

The following account ( Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) is currently reported on my TransUnion credit report with a balance of {$10000.00}. This is incorrect because the debt associated with this account was charged off by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As such, the balance should not be reflected on my credit report, as a charged-off debt should not continue to report a balance due. 

Despite notifying XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of this error, they have failed to correct the information. This constitutes a violation of the FCRA, which mandates the accuracy of reported information by information furnishers.
Consumer complaint received 2021-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

on XX/XX/XXXX I got a text about my coinbase account, fely suspicios so I called coinbase and locked out my account.Since then I requested help to get back into my account from there support team.I have got responses that they would get in touch within 4-6 days yet nothing.They gave me a case number to refer to, I have wrote them approximately 20-25 times, yet have not received any help.Ive wrote them on coinbase, XXXX, XXXX, etc asking to please help as I have a large amount of money in the coinbase exchange.I contacted the sec which said I should also contact you guys.Not sure what I need to do in order to get a response and some help from coinbase.
Consumer complaint received 2021-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I contact National Credit System in XXXX because they are reporting on my credit an account for {$2900.00}. I sent them a dispute letter by certified letter asking them to verify the debt. I never heard back from them. So I decided to call them. Before even saying anything regarding that account I let them know that I was recording this call. The representative proceeded to ask me my name and account number. I told them I do not have and account with them, and the number I have is of my credit report and it shows 2 X at the end. They told me I needed the full account number for them to find the account. So she ask for my social security number I gave it to her and again no account was found. She then use my name and an account came up, an account that had my partial name and a different SSN. They didnt have ANY of my information, I had to give it to them. Then told me to send them a copy of my FTC identity theft report in order for them to remove the account. I did it and still nothing. So I disputed it with the credit bureaus and and they told the bureaus they will not remove the account from my report. Ive had enough of their shenanigans, Im at the point where Ill be taking legal action and it will result in small claims legal action against them at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2024-03-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX Upon reviewing my credit report, I discovered that JEFFERSON CAPITAL SYST has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting.

Pursuant to 18 USC 8, I assert that I do not owe any debt to JEFFERSON CAPITAL SYST or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation.

Furthermore, it has come to my attention that JEFFERSON CAPITAL SYST is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at my contact information listed below to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (AL)

I call and reach out to them and let them know I was hospitalized months after, that was when all my savings ran out and let them know I was sick. I ended up back and forth to the hospital having out patients procedure in XXXX. I had no more money in savings and then I was order 3 more weeks of physical therapy but when all this happened I applied for XXXX. They came on XXXX XXXX XXXX and repo the truck. At this point I talk to a collector and they told me to call back in 48-72 hours later. I did and for me to retrieve my truck back I must pay {$23000.00} to get it back.
Consumer complaint received 2020-07-16
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: EQUIFAX, INC. (FL)

I gave Equifax the courtesy of filing my complaints concerning " old '' accounts directly to them but they will not clear a specific account from my file. I Never stated that the account in question was not mine. I Did state that it should be Reviewed and Removed. Furthermore, the Equifax dispute center does not give many options to specify exactly was a consumer is disputing. Per Equifax " Closed accounts stay on your credit report for up to 10 years since the date of last activity. ''
Consumer complaint received 2021-02-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Family Choice Financial, Inc. (LA)

I have a loan with family choice financial. My loan comes due the XXXX of the month and my husbands loan comes due on the XXXX. They called my phone 11 times as well as calling my work 3 times. They also called my husband 26 times and apparently went to my house twice. This was all just today. I am not even a month past due yet. I was unable to pay on time but when they finally got ahold of us they said if I didnt pay them by tomorrow morning they were going to file legal action against me. I was unreachable because I was at work. I didnt find out about them coming to my house until I got home. Calling a total of 40 times plus two house visits all in one day is well past excessive. It is harassment. I do not always pay my loan on time but I have never skipped a payment. It is wrong to treat customers that actually try to keep up that way.
Consumer complaint received 2018-02-24
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. (NJ)

I had Two morgage back started in XXXX, in year XXXX we had issue in employment lost and burgary in house as a result we filed the application with XXXX  XXXX XXXX and received approval for six month payment hold however XXXX  XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX  XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

My creditor Chase has reported 1 late payment on both of my active credit cards with the company. I was told that I missed a payment in XX/XX/XXXX even though my credit report says both payments were missed in XX/XX/XXXX. I have sent letters to the company asking for forgiveness of the late/missed payment and I have called multiple times and have gotten rude responses and people who did not want to help. Both late payments were reported in XX/XX/XXXX. 

I also informed them that I was affected by XXXX XXXX, and they still reported the payments to the bureaus as late payments.
Consumer complaint received 2020-07-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (SC)

I have tried to fix the problem with the company for over a year. I have sent letters, disputed several time with the credit companies. World Fin, would just send a settle offer. No proof of contract are anything. Information is incorrect and not vaild
Consumer complaint received 2018-02-24
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. (NJ)

I had Two morgage back started in XX/XX/XXXX, in year XX/XX/XXXX we had issue in employment lost and burgary in house as a result we filed the application with XXXX XXXX XXXX and received approval for six month payment hold however XXXX XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX  XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX  XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (NJ)

Early Warning Services continues to report incorrect information. Their inaccurate reporting is the SOLE reason I am being denied the opportunity to bank at SEVERAL financial institutions. I have attempted to resolve the issue with Early Warning to no avail, and have previously submitted a CFPB complaint, to which they responded with a form response. I am also a member of the class action litigation that has been successful against them, and they STILL refuse to delete the incorrect and inaccurate information.