davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

Choice Recovery collection agency placed negative marks on my credit for 3 debts {$100.00}, {$40.00} And {$200.00}. 
This debt is not mine, if this is a medical bill my information was illegally shared with a 3rd party company without my consent, this goes against Hippa laws. I am furious. I pay all my bills on time. This caused my Credit to loose 40 points. Please help me
Consumer complaint received 2017-12-04
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. (NC)

On my TransUnion credit report dated XX/XX/XXXX, there was a hard pull ( regular inquiry ) on XX/XX/XXXX by XXXX. I disputed this inquiry with XXXX, who wrote to me a letter agreeing to request that all credit reporting agencies, including TransUnion, remove this inquiry from my credit report. To date TransUnion has not removed this record, which still stays on my credit report today ( XX/XX/XXXX ).
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

I transfer from Chase bank to XXXX bank XXXX, for an amount {$250.00}, plus the bank charge of {$50.00} for the international transfer. The date that I made this transaccin was XX/XX/2020 at XXXX XXXX, This money its was gon na be available for the XX/XX/2020. Today Its XX/XX/2020 and the money is not available yet. I went to the Chase bank for complaint about this transfer and they told me to communicate with you. Please let me know what can I do.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Pennymac loan services refuses to relase me from escrow so I can pay my taxes and insurance on my own. The reason I am requesting this is because they are asking for a {$500.00} a month increase in the escrow payment and my taxes nor my insurance has gone up??
Consumer complaint received 2017-12-04
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. (IN)

I have tried reaching out to XXXX, XXXX and TRANSUNION with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DigniFi (NY)

In XX/XX/XXXX I tried to purchase a car at a XXXX dealer in XXXX, XXXX XXXX, NY. Unfortunately I was unable to get approved for a vehicle, yet the dealer proceeded to get me approved for a car repair or insurance loan to assist in helping with the approval costs if there was one. I was approved by a company XXXX deals with called Dignifi. I was told that this loan would only be applicable if I was approved for a vehicle or if I had a vehicle already that needed repairs or insurance. I left the dealership with no vehicle and unaware that this loan was still open under my name. Within a month I noticed the account on my credit report and started receiving calls for payments. How can I pay for a loan I never used more needed to use? You can only access funds for vehicle needs and I don't have a vehicle so the company couldn't possibly be owed money that was never used. I called Dignifi and they told me to have the XXXX dealership call them to void the account. I did that and I waited, nothing was done. By the end of XXXX I was irate because I still received harassing texts and calls. I spoke with a rep from Dignifi and told her to cancel the account because I never had a car nor needed their services. It's XX/XX/XXXX and this account is still affecting my credit report and still isn't closed.
Consumer complaint received 2015-11-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (NC)

I recently initiated new telephone service. Ever since then, I have been receiving a continuous stream of harassing phone calls about a debt that clearly belongs to whoever had the number before me. I tried calling the company and explaining their mistake but the phone calls have continued.
Consumer complaint received 2021-02-08
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: Credit Karma (TX)

Over the course of the past few days I have attempted to retrieve my credit score using a number of different credit reporting applications and services, most notably : XXXX, XXXX, Credit Karma, and XXXX XXXX. After entering my information in all of these services ( name, address, SS #, phone number etc ... ) all of them have told me the same thing : " your information does not match what the credit bureau has on file ''. This is extremely alarming, as I have double and triple checked my information every time, even with my mother, and all of the information I have entered is entirely correct, leading me to believe that the credit bureaus file on me must have incorrect information. I need to rectify this, as the time has come for me to buy an apartment. Thank you for your time, I hope to have this worked out soon.
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See attached XXXX NOTARIZED Identity Theft Victim Affidavit. After 4 years, I am understandably not happy with the 90 Fraud Reinvestigation Discover responded with on Consumer Financial Protection Bureau Complaint # XXXX. After theft of cards in XX/XX/2017, I was in hospital for 5 days in XX/XX/2017 for emergency XXXX XXXX XXXX. And again, in XX/XX/2017. I was in the XXXX XXXX XXXX beginning in XX/XX/2017. The thief is XXXX XXXX XXXX aka XXXX XXXX XXXX. I have already sent information that I easily XXXX  reflecting credit card abuse, forgery, impersonation, and false pretenses. Also attached is a letter I sent to XXXX XXXX XXXX XXXX regarding more fraud and impersonation from XXXX XXXX. She was able to get on my company insurance for several months and was getting pills from a doctor.
Consumer complaint received 2020-05-06
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX    XXXX {$5800.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$110000.00}
Consumer complaint received 2017-12-05
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. (MO)

my credit reports are not correct, I tried to dispute and and send information through web asking for these things to be looked into. I also got protection on my account because I belief theres been information accessed not by me on the XXXX hard inquires. also dispute been sent for the 2 XXXX  marks and I have not seen the results.
Consumer complaint received 2020-05-06
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Mr. Cooper never answered these questions. The Consumer Financial Protection Bureau ( CFPB ) has noted, in its Official Interpretations of this provision, that a QWR is not required to include both types of requests. For example, a qualified written request may request information relating to the servicing of a mortgage loan but not assert that an error relating to the servicing of a loan has occurred. See 12 C.F.R. Part 1024, Supp. I, 1024.31. Even if the note had been originally valid, you can void it by altering it. If you and the debtor renegotiate the terms and sign off on the changes, that's fine ; if you make a change without the debtor 's approval, it's not going to fly. If you bought the note from someone else and it was altered or void before you took ownership too bad. The fact that you purchased the note in good faith won't make it valid. MR. COOPER XXXX XXXX XXXX XXXX, TX XXXX Dear Mr. Cooper, Regarding the letter I sent you dated XX/XX/2019 via Certified U.S. Mail # XXXX, the letter titled QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST. The letter was received and signed for by your representative on XX/XX/2019. ( See U.S. Postal Receipt below ) On XX/XX/2019 your company received a 14-page Official letter from Property Owner XXXX XXXX XXXX. In part that letter read, I hereby demand absolute 1st hand evidence from you of the original uncertificated or certificated security regarding account # XXXX. Do you now claim, that your company ( doing business as Mr. Cooper ), has answered all the requested documents demanded in the letter that you acknowledge receiving on XX/XX/2019, and that you completely and honestly responded in full, and you declare under penalty of perjury that you answers all my questions truthfully and you have supporting documentation for your claims? Please answer Yes or No, did you respond to this QWR? If not, Why? On the Color Copy of what you claim is the Original Promissory Note, there is a yellow area right of the alleged Bank Stamp which is unexplained and appears to be a Post note or similar item? Please explain what that is in detail? Please explain why the Promissory Note signature page on the item you claim is the Original is missing a big X from the original copy I have from the original signing and now there is a alleged stamp signed by an alleged person who is alleged to be affiliated with a bank company? I am demanding, and expecting, that your company does not report any negative comments or missed payments to any Credit Reporting Companies as you have Failed to prove the Authenticity of your Security.  Please provide me with the documents I have requested and a detailed answer to each of my questions within the lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional RESPA Qualified Written Request letter. Sincerely, 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 a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have contacted XXXX, XXXX and transunion about the debt on my credit report from XXXX. I have asked them to provide And have asked numerous times to provide physical verification of the original signed certified contract with a wet ink signature which is my right as a consumer under the FCRA section 609 ( a ) ( 1 ) ( A ). and Copies of copies are not validation and by law are not considered. XXXX XXXX and transunion has not complied and still lists this debt on my profiles. they keep removing it and adding it back to my profile.
Consumer complaint received 2020-07-13
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: WAKEFIELD & ASSOCIATES, INC. (AL)

I pulled my credit in XX/XX/2020 and discovered inaccuracies I filled out an identity theft affidavit an reported the incorrect incorrect information to all 3 credit burrows there has been no resolve to my complaints.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to XXXX, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal.
Consumer complaint received 2023-03-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (GA)

I had moved from XXXX  to XXXX  during covid for work because i had lost my job in XXXX. I called the title max store in XXXX  every chance I got to tell them everything that was happening. I got behind a few payments because of my job loss, moving and covid. It didn't help that my loan didnt go down any due to the high interest rates. I was very transparent with the title max store in XXXX XXXX  while I was living and working in XXXX. Apparently I was too transparent because after a few hours of being off the phone from the XXXX XXXX  title max store, my car was repossessed that night. My sons car seat was in that car, he couldn't travel anywhere being XXXX  years old without his car seat. I gave almost all the money I had to try and pay my loan and after they took my car I had nothing left. This was during a time people were understanding about covid and job loss. They took my car 2hours away to XXXX XXXX  to sell at a auto auction. I was able to get another loan from a family member to buy my car back. The manger acted like he was being helpful and acted like a friend. They even make sure everyone does a 5 star review on XXXX before leaving with your title loan athe the XXXX XXXX  location. I updated my review to show how poorly he treated customers in a time of need.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am lodging a formal complaint today to report that I have fallen victim to fraudulent activity. Upon conducting thorough research on the appropriate steps to rectify the fraudulent entries in my credit report, I discovered the necessity to file an identity theft report with the FEDERAL TRADE COMMISSION at https : //www.ftc.gov. As per FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report. Enclosed herewith are the relevant documents to facilitate the removal of the erroneous information and fraudulent items that have been inaccurately posted on my report. The following is a list of items that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ========TRANSUNION : 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. Per FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Reviewed most recent credit report from TransUnion and I noticed inquires that did not belong to me. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 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.
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

I sent a wire transfer to Coinbase to deposit in my account on XX/XX/2017. 
I contacted Coinbase 's Bank, XXXX XXXX to verify funds went to Coinbase and they verified it was deposited in Coinbase 's bank account on the same day. 
It has been 17 days now and still no reply from Coinbase as to my money that was supposed to be deposited in my XXXX account. 
Coinbase has no person to contact for wire transfers, just a support email for opening tickets, but they never respond to my emails. 
I deposited XXXX with the wire and the XXXX # is XXXX. 
again, XXXXXXXX XXXX used this number to verify that the money was deposited in coinbase account. 
Coinbase never deposited in my account nor have they returned my money,. 
It says the money would be deposited the same day or by 2 days, it has been 17 days. 
Please help me with this.
Consumer complaint received 2024-02-20
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

Hello, I made a wire transfer from my chase checking account on XXXX XX/XX/XXXX the amount of XXXX XXXX Dollars and send it over to my own foreign bank account in XXXX. Overseas  I have a dollar account meaning when I send money from U.S I will get dollars in the foreign country. I contacted my bank in XXXX and asked them to double check if there is money holding they double check from XXXX 's the money is not there either. they have check all of their system. 

I went to chase bank on XX/XX/XXXX to asked them if they can provide XXXX Document in which the branch supervisor said we don't have that document it only produces this document when chase is receiving the money and in my situation you are sending money so we don't have that document. 

its been 10 days I would like to know where is my money? I also need to add on I did a online wire transfer and the bank account name or address has not been changed at all and I have done many transactions to the same account.
Consumer complaint received 2016-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

If I am one day past the due date I receive in the upwards of 10 calls a day from Conn 's XXXX and I have answered the phone and gotten no response at times. I have even been contacted after XXXX and on the weekends.
Consumer complaint received 2020-09-12
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. (GA)

Fraudulent inquiries, delete these inquiries they fraudulent and I do not recognize these inquiries. 

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 I also have fraudulent accounts I want to dispute off my credit report, please dispute these accounts and do not add a fraud alert on my credit report. 


These credit cards are fraud, I want to dispute these as fraud XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX