davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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. (GA)

XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX   XXXX  XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 


Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX - Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$320.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$12000.00} Highest Balance XXXX  XXXX XXXX  XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$300.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date :XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit Card - Finance Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-03-02
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: Consumer Portfolio Services, Inc. (CA)

Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries
Consumer complaint received 2021-03-02
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: ALLY FINANCIAL INC. (CA)

Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries
Consumer complaint received 2018-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (SC)

On XX/XX/XXXX I filed a complaint with you guys ( Consumer Financial Protection Bureau ) regarding PMAB and their continuous actions regarding unverified medical collections that they continue to place on my credit reports. On XX/XX/XXXX XXXX XXXX responded and stated that they are still working on the issue. He also stated that he saw that I had medical insurance and is now reaching out to their client. Well on XX/XX/XXXX PMAB has placed yet another collection on my reports in the amount of XXXX. PMAB has yet to clear up the discrepancies from my former complaint on XX/XX/XXXX. This company is ruining my credit and my character by placing these unverified medical debts on my credit reports. Their practice is outside the scope of the FCPCA.
Consumer complaint received 2020-10-14
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)

PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, EQUIFAX REFUSES TO INVESTIGATE BY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I SUBMIT COPIES OF MY DRIVER LICENSE, LEASE, PROOF THAT MY INFORMATION HAS BEEN COMPROMISED ON THE XXXX/XXXX  WEB, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

EQUIFAX IS VIOLATING FCRA PRACTICES. THE FRAUDULENT XXXX XXXX ACCOUNT WAS ONCE DELETED AND ADDED WITHOUT PROVIDING ME WITH REQUESTED VERIFICATION OF OWNERSHIP. ADDITIONALLY, THE XXXX  XXXX XXXX  IS NOW REPORTING ON MY ACCOUNT AS A " NEW COLLECTION ''. 
AS SUCH, PLEASE DELETE THESE FRAUDLENT ACCOUNTS FROM MY REPORT IMMEDIATELY. AND AS FOR THIS NEW COLLECTION, I HAVE NO IDEA WHERE IT IS COMING FROM!
Consumer complaint received 2018-06-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

in XX/XX/XXXX I filed chapter XXXX there was agree that they would accept XXXX and payment of XXXX amonth I cant control what the trustee does but they agreed to it as the yr when by my spouse have several operation this cause us to get behind XXXX on XX/XX/XXXX I wrote wells fargo a letter to ask them to give me some time to get caught up nice people as they are they send foreclouser notice now they want to take our home now they money I could of payed on my unpaid behind payments I have to hire a lawyer and pay there lawyer to
Consumer complaint received 2024-03-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Loqbox US Inc (FL)

I have tried to contact them throughout the year, due to the amount of problems they have caused me instead of the solutions they have offered. First due to a negative report on my account due to a delay of 30 days in which I justified that the funds were present ( they asked me for account statements showing that the funds were available and I delivered them ), lately due to not being able to pay my last installment of savings since the account was blocked to pay, then due to the closing of the account and a negative report on my account and now due to the closing and blocking of my account ( because now they do not allow me to access from my State -Florida- ). 

I demand that they return the money that I deposited with them and that they have now withheld for absurd reasons of restriction of access from my state. 
I asked to be contacted immediately to resolve my problem and return the funds they used for a year and all they do is respond to me with a robot and automated responses that they will get in touch and they don't.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account my consumer report Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. report containing information solely as to transactions or experiences between the consumer and the person making the report. So therefore this company is sharing my private information. also the late payments and payment that's been made are transaction from me ( Consumer and the person that's making the report I called and ask for them to remove the late payments from my account and the rejected my request i did caught up on my payments so now I am current and the late payments are effecting me to get approved for any credit since it is new. I need the month of ( XXXX XXXX well as XXXX for my payment history update to on time payment paid as agreed )
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION (MI)

My debit card with BBVA Compass Bank is being unlawfully monitored for political and/or XXXX purposes. They block my purchases and prevent me from spending within the daily limits. My purchases are being blocked since XX/XX/2020. The FBI may be involved in the unlawful campaign to monitor how I spend the proceeds from the sale of my home in Colorado.
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NC)

I hope all is well.. 
Im not for sure why my credit limit was lower it was over {$2000.00} and now its a {$700.00}. I was a little late due to the pandemic but thats not my fault. I explain that to them. They wont tell me why it was lowered but thats the only reason I can think of. I need my limit put back to were it was. Its a pandemic and my credit limit should not of been lowered at all. Thank you for your time. Have a wonderful day.
Consumer complaint received 2019-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (OH)

In XX/XX/2019 I deposited 2 checks and {$60.00} cash into an atm. One check for {$500.00} and the other for {$700.00}. The atm stated there was an error and couldnt deposit the checks but successfully deposited the cash. The atm did not return my checks so I went into the chase branch. The atm and branch are located in XXXX Ohio. The branch manager called to make a claim for me and I was told the cash would be cleared in 12 hrs. 17 hrs passed and the check wasnt cleared. I called back to chases claims department and they told me to wait 12 more hrs. 12 hrs later they told me to wait 1-2 business days. 2 business days later they told me I have to wait for 10 more days. I keep getting the run around and I feel like I should be Reimbursed for the time Im forced to spend without my money and all late fees I will occur after not being able to pay my bills, eat, or live in a comfortable state due to chase and their negligence. As of XX/XX/19 I have not received any of the money that would have cleared from my checks. Please contact me at XXXX or XXXX XXXX
Consumer complaint received 2019-05-31
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. (CA)

the following accounts ( student loans ) are not mine, these are not my accounts i have never inquired any student loans, i have been disputing these items but equifax has not been helpful, please find attached my police report which also has been provided to equifax few times, please have equifax remove these inaccurate student loans. 
thank you
Consumer complaint received 2018-06-25
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. (TX)

On XX/XX/XXXX I disputed all 3 credit Bureaus via postal service on account with XXXX XXXX account number XXXX asking for verification not validation of this debt because of its inaccuracies. It is my complete understanding that a debt placed on my personal credit report should be 100 percent accurate and verifiable at all time and must match. All 3 responded as the debt had been verified. I then sent another dispute to the credit bureus via certified mail on XX/XX/XXXX and the same response was given the debt was verified. I contacted the XXXX XXXX for documents and I havent received a response to date. I then filed a complaint with you all please see complaints # XXXX XXXX TRANSUNION-XXXX Most I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. I have attached copies of the reports that they are each reporting. i would like justification on what method of verification they used and why they are allowing these inaccurrates to continue to hinder my life. I am filing with the attorney general on XX/XX/XXXX and preparing for a lawsuit. As i have a solid paper trail of these discretions. 

*open dates are all conflicting *XXXX  is even claiming a payment of XXXX was made? How is that when its a charged off account. Which makes them all have incorrect balances? 
*Charge off accounts are acknowledgement that the debt is uncollectable and lets the IRS give a tax credit. So the balance would be XXXX. Each report is reporting a balance whether wrong or not. 
*HOW CAN A CHARGED OFF ACCOUNT THAT SHOULD BE REPORTING XXXX SHOW A PAST DUE BALANCE AND A BALANCE AMOUNT? 
That is clear vioation of myrigthts as of the consumber law 623. which states that Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 


DELETE THIS UNVERIFIED ACCOUNT
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PROSPERITY BANCSHARES, INC. (CO)

I have contacted XXXX, the branch XXXX at : Prosperity Bank XXXX XXXX XXXX XXXX XXXX Texas XXXX via certified mail XXXX XXXX XXXX XXXX XXXX received XX/XX/2022 and by phone leaving two voicemails requesting my calls be returned. So far to date, XX/XX/2022 I have not heard anything from XXXX regarding this issue. 

My mother passed in XXXX XXXX, Colorado and I have been trying to close her checking and savings accounts and have the funds disbursed to her address on file with Prosperity. I have also sent a completed and notarized Colorado Form JDF 999 - Collection of Personal Property by Affidavit. 

I am requesting XXXX last time before I seek counsel and pursue action against Prosperity Bank for non-compliance and breach of fiduciary duty with situs established here in XXXX XXXX Colorado due to my mother 's passing that these accounts be closed and funds disbursed to the record of address with the bank.
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WI)

In early XXXX I bought XXXX XXXX dollars of a crypto called XXXX on Coinbase at around XXXX dollars. In early XXXX I added to my position and bought another XXXX XXXX dollars of XXXX for around XXXX dollars. As of today XXXX is XXXX dollars which brings my account on coinbase to nearly XXXX XXXX dollars. Over a month ago Coinbase deactivated my account for an unknown reason and has not resolved the issue since than. I have a open long position of chainlink I am unable to cash out since coinbase will not let me access my account I have submitted a support ticket ( Case # XXXX ) with nothing resolved. I have submitted a formal complaint ( Complaint # XXXX ) with nothing resolved. Coinbase has robbed me from my money and an active open long position worth nearly XXXX to date. Please help me access my account to get my money out of Coinbase. I have attached the last email I have received from Coinbase on XX/XX/XXXX.
Consumer complaint received 2019-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I was send a credit alert stating that I had a negative remark. So I pulled my credit and got information and phone. And I was told that my name was used for several hospital visit with no insurance and had not paid the bill. I told the lady that it was not me. I requested a copy of bill. She only info that could be provided was date if XX/XX/XXXX XX/XX/XXXX and a date in XXXX. The name of responsible party name was XXXX XXXX my name is XXXX XXXX.
Consumer complaint received 2022-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (AE)

Good Morning, I currently have an installment loan with OneMain Financial and recently XXXX XXXX XXXX XXXX XXXX. I thought I was protected but the add ons that the OneMain Staff pressured me to purchase, ballooning my payment from {$250.00} a month to {$370.00} a month doesn't apply since my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesn't cover. Additionally, the I contacted OneMain several times at their local office and their main office to cancel the policies, however they still have not responded and I am still getting these substantial bills for addons. I even completed the appropriate cancellation paperwork and submitted it to both offices, however they continue to ignore the emails. 

I believe that OneMain Financial violated UDAAP by pressuring me to quickly agree to the loan terms while on the phone and " waving '' over the additional cost and eligibility requirements.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-07-19
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. (CA)

I have disputed this information several times. XXXX XXXX XXXX issued a charge off on an account that I never used. It was a secured card. I was arrested for an unrelated event and the card must have been mailed and used and I was incarcerated. After a number of years passed and I discovered it was on my credit report and I began piecing together the information. 
XXXX XXXX are an awful institution and have admitted that every bit of the bill is all fees. This card was never used by me and I have no idea who did use the card. 
During the past 2 years I have battled this problem. 
The bureau says it was charged off but that it is reflecting late payments presently.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

This debt is on my credit report illegally the company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in a court proceedings lawsuit for damage to a property I used to own as a result I loss hundreds of thousands of dollars caused by this company contractor the issue has still not been resolved and I warned the debt collection agency and send them my attorney in the cased information unfortunately my original lawyer on the case die from XXXX XXXX XXXX case still pending Supreme court of the State of New York county XXXX XXXX # XXXX.
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AR)

On the morning of XX/XX/2022, I contacted EdFinancial directly following the Student Loan forgiveness announcement. I requested to have the payments I made to my Student Loan balance during the XXXX payment pause refunded. Many federal student loan providers such as XXXX XXXX are promptly giving customers confirmations and refunds, EdFinancial did neither for me. After nearly three weeks I have yet to receive any indication of my refund request. I called EdFinancial a second time later on the same day and they were unable to even provide me an email confirmation.