davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

On XX/XX/XXXX, I sold my bitcoin. Actually I sold XXXX of my bitcoin. I purchased it in XXXX through an agency called Coinbase. The selling price was {$9700.00} on XX/XX/XXXX. Today is XX/XX/XXXX, which makes it the 16th business day, and after numerous E-Mails of inquiry, I still have not seen this money deposited to my bank account and no response from Coinbase. The Reference Code for this transaction is XXXX, and the amount after their fees is {$9600.00}. I took a screenshot of the transaction which shows " complete ''. I can attach this document if necessary. The problem with Coinbase is that you can't talk to a person. All correspondence must be by E-Mail
Consumer complaint received 2022-08-11
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. (GA)

I have several hard inquires on my credit report that I did not authorize and that I do not recognize. These inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX of XXXX - XXXX XXXX care XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CATHAY BANK (TX)

I purchased my property back in XXXX and got the 15 years fixed mortgage with Cathay bank. As the rate went down recently, I decided to refinance it to a 30 years loan around XX/XX/XXXX. After a month of continuing late response, I finally got the decision that I was denied on the basis that my current income is not sufficient for their requirement. I applied the refinance for investment property and provided my tax return showing consistent rental income for the past two years. Based on my calculation, the rental income should be more than enough to cover all expenses and I also showed my debt/ income ratio to support this. I emailed them asking for their detailed calculation trying to have an open conversation on details that we might have misunderstood. I listed my calculation of the debt/ income ratio ( 25 % ) which is significantly higher than their requirement of 43 %. the mortgage officer just ignored my inquiry and mentioned they have considered all the numbers. I have our email communication as proof of evidence. I was just left as a confused mortgage consumer and was not provided the kind of professionalism expected from a valid bank.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diverse Funding Associates LLC (CA)

On XXXX XXXX XXXX @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number provided. When asked for the company name, phone and her name ... she did not provide the company name or her name, but only provided the phone number for me to contact. She then ended the call giving no other opportunity for my relative to ask for her name & company name once again. On XXXX XXXX XXXX @ XXXX, I received a call on my wireless phone from a number located in XXXX XXXX , FL . w/ no voice message left. However, the number that appeared on my wireless phone is the same contact my relative was given so I returned the call @ XXXX using that info provided. A male individual named " XXXX XXXX '' stated to me, " unless specific details was given to you or a message was left, disregard the call as I am not able to assist you ''. As soon as I ended that call, my employer was receiving a call @ XXXX from the same phone number. The receptionist greeted the inbound call accordingly stating the company name, and " XXXX XXXX '' proceeded to state " this call is in regards to the pending legal case we have in our office for ****** ''. " XXXX XXXX '' disregarded the fact that he contacted me at my place of my employment even after the company was disclosed. All representatives involved in this situation from this company, DNF ASSOCIATES LLC & XXXX, violated my privacy rights under the Federal Consumer Rights Act. As well as, prior to the rounds of calls placed in one day, no written correspondence was sent to me on any level ( via email or ground mail ). This company has a valid address to send correspondence to reach me at, which would allow me to respond accordingly. But instead opted to handle the matter by calling other parties unaffiliated to the matter on hand. Upon requesting for proof to validate call made concerning this " pending legal matter '', On XXXX XXXX @ XXXX, I received a correspondence via email from NCB with no signature or title of the person who the correspondence is from
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC (IN)

Contacted me 4 times in one day after I explained I have given the case over to a lawyer that is handling the case. The XXXX is collecting a debt for XXXX as a last bill. I was not aware that this amount was owed as the store employee told me at the time there was nothing owed on the account.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

I wrote to the credit reporting agency, disputed the inquiries. The credit reporting agency, informed me that the results are valid. I then contacted the creditors that made said inquiries and they responded that they needed additional information, they were unable to locate with name, address, etc. I received correspondence from a few creditors, stating that they would immediately request removal. I am not sure how the credit reporting agency could claim this to be valid, when in fact the actual creditor has acknowledge an error and requested the inquiry to be removed ( i.e. XXXX XXXX XXXX ; XXXX ) Then the address on record for XXXX XXXX XXXX XXXX, is not a valid address.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (OK)

I have a letter from freedom mortgage that shows we never missed a payment. Our mortgage was bought out and it shows past due, past due amount {$0.00}. This is effecting our new lending process. This has been attempted to be fixed through XXXX XXXX and XXXX
Consumer complaint received 2022-02-02
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. (NY)

The Equifax and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ProCollect, Inc. (MI)

Dates I left the apartments - XXXX XXXX XXXX XXXX XXXX - end of XX/XX/2017. There was nothing wrong with the apartment as I had everything fixed immediately. They got their keys and I thought I was getting my deposit back. 

Amounts They are saying I owe {$2300.00} in fees. I dispute every last {$1.00} as the apartment was flawless when we left. 

Actions I wrote them a letter when I received their letter stating I owe the $ $ that I do not owe them anything and I never heard a response and they have continued to report on my credit reports. I recently disputed it and it was removed from XXXX and XXXX  but then recently added back on. I tried to get a credit lawyer and they have not been able to help. I feel financially abused and it is causing me stress.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

Citi Bank- I signed with debthelpers in XXXX at which time Citi Bank agreed to the payment contract terms. Payment is made every month on the XXXX, due to the 30 day rotation for the month of XXXX the payment was received XX/XX/XXXX although the month close XX/XX/XXXX. Citi proceeded to report an increase to my balance of {$13.00} and a late payment, there fore diminishing my credit score. Prior to signing with debthelpers all my payments had been on time and paid in full now my credit is showing a derogatory credit history for Citi. I have tried calling several times, sat online with the online help and nobody has offered a resolve, I have worked at being pro-active to find I am being challenged by the reps specifically a gentlemen by the name of XXXX XXXX. I have asked to have the billing date changed to avoid further issue and all I am told is they can't do that I have to go back to XXXX and ask them to adjust the contract ( already agreed by Citi ) and there are approximately eight credit accounts on the same contract with Citi, no other creditor has an issue. I have spoke with Asifasis XXXX, XXXX XXXX, XXXX, XXXX, a XXXX and at through the online chat 6 other individuals. I have used the automated phone system and been hung up on by it at least 12 different times saying " do to unforeseen circumstances there is no-one to answer the call '' disconnect.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MO)

In XX/XX/XXXX, I got my credit reports, i noticed my students loans were reporting open, closed - with XXXX. I have contacted transunion in regards to my Nelnet student loan payment history- it shows 4 loans 15 payments each past due. Destroying my history and credit. I contact Nelnet they show this are  loans XXXX, XXXX, XXXX, and XXXX - I stated that my loans were suppose to be in default. Well when I initially contacted in XX/XX/XXXX - I called over the phone - Like I usely do to renew my economic hardship- the representative told me- to mail in proof of state assistance- I mailed information-never received any information that those 4 loans were ever in default. Sent a goodwill letter- no response. I need help getting this resolved
Consumer complaint received 2020-05-23
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. (CA)

I mailed out a Deletion Letter to XXXX  and Equifax in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) for XXXX/XXXX  via account number XXXX. I provided all my necessary personal identification to verify the account. XXXX  responded with the account being accurate based on the e-oscar system, and Equifax did not respond within 30 days. XXXX   did not call or mail for questions to the creditor. My tri-merge credit report does not show a correspondence address or a working number. The contact number showing on my report brings you to an automated line that does not connect you to a live person to report a complaint.
Consumer complaint received 2020-09-07
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. (CA)

On XX/XX/2020, I sent a letter requesting that an account be reinvestigated because it is still reported inaccurate. Every month I pull my reports from XXXX  and I come to find out that neither TransUnion, XXXX or XXXX   actually conducted a proper investigation. It has been 7 months since I have brought this to their attention. On XX/XX/2020, I disputed the account with the original creditor to perform my own investigation and they were not able to provide me any documentation that verifies that the account is reported correctly. This means neither TransUnion, XXXX  nor XXXX  used proper investigative methods to verify the accuracy of the account from the very beginning.
Consumer complaint received 2022-04-06
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. (SC)

I have contacted Equifax numerous times to remove and or correct inaccurate information on my credit report. I am a victim of identity theft and this is defamation to my character as a business owner and consumer.
Consumer complaint received 2019-11-05
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (SC)

Navient, who apparently is a debt collector, has called my home for the past 3+ months, 2 times every single day about debt for a person that is not in my family. They leave messages about this person who apparently has debt and request that i call them back, 2 times a day around XXXX and around XXXX, every day. Me, nor my wife, nor my XXXX XXXX  daughter have have ever had any school debt, and both of us are college grads and I'm a XXXX. I have a common last name apparently. They are violating FDCPA law by leaving messages about someone else 's debt on my phone and asking me to return their phone call more than once, which they do every single message, 2x a day. I have emailed them asking them to forward my email to their legal dept to remove my phone number from their system and today I receive a message, case closed, with no action. I'm tired of deleting 14 messages every week and more tired of listening to them call at XXXX every nite when I'm with my family.
Consumer complaint received 2021-07-20
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. (FL)

XXXX XXXX  submitted fraud documents which caused wrongfull judgement from collection agency XXXX XXXX XXXX i have attached voluntary dismisal WITHOUT PREJUDICE. XXXX XXXX  reporting has to be removed.
Consumer complaint received 2020-07-27
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. (TX)

In XXXX, XXXX, and again at the beginning of XXXX I submitted paperwork directly to the bureau not only from the court, but also from XXXX XXXX, and XXXX  .... all showing that the bankruptcy listed on my credit report should be removed. Each time submitted i have received a " canned '' response from the bureau without one once of proof of this public record being filed by me, with any signature, with any paperwork, with any address ... no proof. This has been requested on multiple occasions although i have provided proof myself that the bk are not mine. Ive wrote, faxed, and called with no error being fixed. 
I know the response is canned and standard that i receive due to the bureaus saying it was verified to THEIR company citing the exact places that ive sent them directly. Its insane.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TAG Intermediate Holding Company, LLC (TX)

I Have a account on my XXXX file number XXXX. I did not open this account 3 years ago. I need proof of date signed and signature for the date in mentioned. If none could be provided under this contract I request it come off my credit report
Consumer complaint received 2017-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collections Acquisition Company, Inc. (WI)

I check my report often to make sure my information is reporting accurately. Last year I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I checked my XXXX report today XX/XX/XXXX and noticed this account listed on my credit report. Based on the information I show on my report, it was opened XX/XX/XXXX and was placed on my credit report this month, XX/XX/XXXX. It is reporting under the company Payliance as a collection for {$60.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. I want this account removed from my credit report immediately!
Consumer complaint received 2022-03-10
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. (FL)

To whom it concerns, I have reached out to TransUnion, XXXX, and XXXX concerning three account that information was posting improper information concerning my accounts. I have sent letters twice times and I have waited the proper time frame to receive information concerning these items and I have sent letter via certified mail numerous occasion yet I receive no letters or information supporting the companies information on my credit report.
Consumer complaint received 2020-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XX/XX/2017 XXXX data breach several accounts on my credit report are not mine listed : Account Name NATIONAL CREDIT SYSTEMS  Account Number XXXX Account Name NATIONAL CREDIT SYSTEMS Account Number XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting Agencies ( CRAs ) and correct inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC. (NV)

They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now.
Consumer complaint received 2018-09-20
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. (CA)

I was a victim of Identity Theft, and on my Experian Credit Report it shows one of the XXXX accounts that reflect the incident. I submitted a Fraud form to XXXX and the problem was not fixed. It continued to hurt my credit score and they did not resolve it. My only option was to pay it and have Experian remove it, but I have tried to do so online and I haven't been able to. Thank you!