davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Midwest Recovery Systems (TX)

AGAIN, Midwest keeps copying and pasting responses that have NOTHING to do with the root inquiry. I have told Midwest several times to stop adding fraud trades to my CRA files yet they keep doing it infringing on my rights covered by the FCRA. I WILL PURSUE LEGAL ACTION IS THIS IS NOT STOPPED AND THE TRADE IS NOT REMOVED. I have NEVER received any validation paperwork or phone call from Midwest in regards to this so called XXXX XXXX debt that I am entitled to review BEFORE it is put on my files. This is fraud and for your convenience, I have attached my identity theft form. REMOVE THIS TRADE ASAP!
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. (IN)

I am XXXX XXXXXXXX Equifax STILL insists I am not. Emails and USPS Mail arrive in NOT MY NAME > I WILL NOT OPEN USPS ADDRESSED TO NOT ME. As far as I am concerned, NO effort is being made by Equifax to corret the Illegal Information gathering and distribution. I see it as a constant and demeaning abuse for them to CLAIM all is better now. As well as deceitful, deliberate act.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Original Issue Interest charge ( {$100.00} ) on a direct deposit cash transfer offer ( XXXX ) revived in mail, dated XX/XX/XXXX. Also please review another offer ( XXXX-here the reference to direct deposits was clearly called out ) dated XX/XX/XXXX. As you see, the most important aspects of this offer-XXXX ( card purchases and direct transfers are NOT eligible ) was not displayed or mentioned along with the original text and instead it was hidden in small fonts in the footnotes.
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. (MA)

I declared bk in 2017 whic is correctly documented however each of my accounts I made sure were paid never late right up until the day I filed!!! To date neither my current accounts or those included in bk were ever late!!!! The credit bureaus continue to report negative information of numerous late payments or derogatory information making it quite difficult trying to purchase my car! I understand the bk must be listed but they are reporting in addition to the bk there are numerous delinquent or derogatory or late payments which is false!!! After one declares bk they are allowed a fresh start this happened in 2017 and my cards were in time then and now I have excellent payment
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (MI)

I am a first home buyer. I found a house that I liked and I was accepted an offer on a house. Initially, my wife and I started with XXXX XXXX for our mortgage, but I decided to shop around for other deals. I found XXXX Bank and I and I am in the process to move my mortgage loan with them. It 's true that I have been with XXXX XXXX longer because I initially started with them. I received phone calls from XXXX that they will offer me a better deal ; right now, all I want is for them to close the mortgage and send Appraisal to my XXXX bank. I heard that XXXX are very good at sales but they put pressure on people in order to keep their mortgage with them.
Consumer complaint received 2024-02-17
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (KS)

I have been contacted repeatly for 2 months three times a day by speedy cash. they call using a call spoofer with the name XXXX XXXX. I have told them on several occasions that I never took out a loan with their company and for the to stop calling. I sent a cease and desist contact letter on the XXXX of XXXX 2017.
Consumer complaint received 2017-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (FL)

Closed checking account have private and public sides, after when public side account closed, private side still exist for another three years with a funds what is on my name, I try to used them, but two checks was processed as EFT, but rest of another checks was processed by the banks as ACH, and was revised because processed on public side not on private side, I called to the banks customer service, never met understanding of matter, manager in TD Bank also, very confusing manner responded, I sent certify letter to CEO of the bank, he never respond back, all mail going through computer system process. I need to know, is it Bank try to still my money.
Consumer complaint received 2016-11-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (NJ)

XXXX XXXX XXXX has been harassing me on and off for the past few years to pay a debt that is not mine. I have communicated this numerous times to XXXX XXXX and the various debt collection companies they use ( most recently Jefferson Capital Systems ). They fail to offer any evidence that this is my debt.
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have repeatedly disputed this fraudulent Bank of America account on my credit files. Bank of America has refused to do anything about this account ( which they are still reporting ), and instead kept directing me to their collections agency ( XXXX ). 

I now have written confirmation from that department that this account was deleted and closed due to it being determined to be fraudulent ( Case Number : XXXX ). And THAT branch is now directing me BACK to Bank of America to have this removed.
Consumer complaint received 2024-02-17
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-05
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. (WA)

From XXXX through XXXX of XXXX, an Equifax Inc. website vulnerability allowed criminals to gain access to my name, social security number, birth date, addresses, drivers license, and credit card numbers. My information has been compromised through ineffectual and irresponsible handling of critical data.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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: U.S. BANCORP (IN)

I was forced into bankruptcy in 2017 due to my daughters serious medical condition. US bank refused to work with me on payment arrangements and kept stating they never received necessary paperwork that I submitted multiple times. I had to contact attorney and file chapter XXXX bankruptcy. I paid everything in less than two years. Now this past week I found out my credit bureaus were all frozen for almost one year. All three credit reporting agencies my report is blank as if someone erased all history. I have been paying my house on-time and or early since 2017. I filed for refinance and this is how I obtained my information was erased in writing from third party. I have contacted US Bank numerous times they will not return my calls nor answer my questions. Now my credit is so bad I was turned down for refinance on my house. No one at US Bank will discuss or address my issue.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have unauthorized accounts that appears on my credit report due to my Identity been stolen, I request the following accounts to be delete and removed off my credit report : XXXX open date XX/XX/XXXX amount {$200.00} account # XXXX, XXXX XXXX XXXX  XXXX open date XX/XX/XXXX amount {$980.00} account # XXXX, XXXX XXXX XXXX  XXXX open XX/XX/XXXX amount {$2000.00} account # XXXX, XXXX XXXX  XXXX open XX/XX/XXXX amount {$1900.00} account XXXX XXXXI reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
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 — Account information incorrect
Company: WELLS FARGO & COMPANY (TX)

I placed a call to Wells Fargo Dealer services regarding my principal balance being reported incorrectly and was given the run around about the balance showing on my credit reports. Agent was unwilling to provide a timely solution to the problem. Wells Fargo has continuously reported inaccurate information on my report
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I sent my entire insurance proceeds of ( {$75000.00} ) to Select Portfolio Servicing on XXXX-XXXX-17.

90 days now and the funds have not been credited to my account! 
Meanwhile they have added expensive homeowners insurance to my burned up home! It cost triple to the policy I had prior to the fire! 
Last night & nearly every night I get a threatening phone call from SPS. This time after 21 minutes of XXXX, I told the guy ... 
Go ahead with your foreclosure plans, SPS is going to look pretty XXXX foreclosing on a paid mortgage! 
Since the fire {$78000.00} has been received by SPS towards my mortgage. 
They have me showing in default while sitting on the {$75000.00}, thus the collection calls!
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)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I have written all 3 credit reporting agencies and also the loan company about this issue over the course of about 3-4 years. I spoke with a credit reporting company last year and they informed me that this would be off my credit and it is still showing up and is incorrect and is causing my credit score to keep decreasing making it hard for me to obtain things and making it hard in me and my family financially. I need this information removed from my credit as soon as possible.
Consumer complaint received 2021-02-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Adjustment Corp. of S.W. FL., Inc. (KY)

I had XXXX XXXX in XXXX with XXXX XXXX XXXX at XXXX, XXXX and XXXX  Specialists of Florida. I went to the follow up appointment and specifically said I did not want any procedure done because I did not want a $ XXXX bill to come to me for simply looking up my nose when I knew I was healing good. My grandmother, XXXX XXXX, was right next to me and a witness to this. They said okay, no problem. I get called to the back and I also informed his nurse or whoever it was that did my vitals and asked me some questions that I did not want an additional procedure done today. He also says okay, no problem. The doctor comes in, we talk and I leave. Before leaving my grandmother wrote a check for whatever else was owed. No procedure was done. I get a bill for almost {$500.00} later. Ive talked with the people in the office about this and they are so rude and disorganized it got absolutely no where. I also submitted through XXXX  that this get taken off which also got no where. 

During the process of me challenging the almost {$500.00} debt, an additional debt showed up from the same practice. This time almost {$700.00}. HOW?! It says the debt is from XX/XX/XXXX but I wasnt living in Florida during XXXX. The last time I saw this doctor was in XXXX. I have absolutely no idea where the second debt is even coming from. And its usual it appears for the first time ever while Im disputing another debt from them. 

I seem to not be the only one having issues with this practice. If you check the reviews to this place you will see that this seems to be a common thing they do to people which goes completely unchecked.
Consumer complaint received 2021-01-24
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. (FL)

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX Account : XXXX Creditor : XXXX, XXXX.- Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor XXXX XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I wired out {$22000.00} on XX/XX/2017 from my XXXX account. But it still doesnt show in my XXXX USD Account. I spent plenty of time to contact them by email and calling. But no answer yet. Please help me out what I checked from my bank is it has already been deposited in their bank, please refer to the XXXX # that I got from my bank
Consumer complaint received 2017-12-05
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. (AZ)

I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXX However, I have received a debt collection letter from a company called XXXX XXXX XXXX same address as XXXX XXXX XXXX who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX Amount : {$610.00} I received a debt collection letter from XXXX XXXX XXXX XXXX, XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XXXX XXXX, XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - Equifax, XXXX and XXXX and they have done nothing.