davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AK)

This is not a verification dispute. XXXX Account # XXXX is old and is reporting 10 years on my credit report. XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old XXXX Account XXXX.
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Colony Brands, Inc. (VA)

i called XXXX XXXX today and i was told that i owed XXXX and they put on my credit report i owed XXXX and i dont and the account is closed and took a lose and now im told they sent it to a collection agency called XXXX phone number XXXX and they still haven't taken it off my credit report and the solclution is for them to remove it also my sister never order anything for XXXX, on XX/XX/2017 and she never order anything and my sister got a bill yesterday for XXXX, for something she never ordered and the bill was for XXXX that she doesn't owe help us please
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery XXXX on behalf of XXXX XXXX, attempting to collect a debt That does not belong to me that Was removed months ago. Identify theft report/police report, filed and submitted to XXXX XXXX as well as bureaus months ago. Police report case number XXXX XXXX ) as well as FTC complaint filed.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

I placed a complaint yesterday though CFPB and now it has gotten even worse. The company I placed the complaint on has appointed a man named XXXX XXXX to my complaint. I have asked him respectfully to add my number to their internal DO NOT CALL list and to stop emailing me. He insist in not doing so until I give him ALL the numbers I 've been getting calls from. It is difficult to give him all the numbers I 've been called from when the cell phone they call me to is my work cell and I do n't save the numbers that call me. Please, make them leave me alone. Their continued calls and emails are give me XXXX XXXX and causing XXXX XXXX.
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

I submitted payment on my mortgage ~15 days prior to the mortgage being due ( payment made on the XXXX of the previous month for a mortgage due-date of the XXXX ) and Home Point Financial returned the payment on the XXXX then started stating my payments were late moving forward. The payment was processed and withdrawn by my bank then returned and Home Point is saying they did not receive the payment.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rent Recovery Solutions (GA)

I am currently under bankruptcy and both the collection agency and XXXX have been notified by my attorney. They are still reporting as an open collection on my report which is a clear violation of my rights and are refusing to remove this information.
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NC)

I asked for a withdrawal of {$600.00} of my money ( see below ) and it shows complete but no funds were received. I've emailed over a dozen times ... one response with case number ( see below ). I've also tweeted, facebook, and called Coinbase/XXXX  for resolution with zero response. Case # XXXX is the only thing I was given on XX/XX/. 


transfer XXXX XXXX - XX/XX/ XXXX XXXX Transfer ID : XXXX On XX/XX/, at XXXX XXXX, Coinbase Support XXXX wrote : Hello there, Thank you for contacting Coinbase! 

Sorry for the trouble and for the delay on responding. 
Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

You can always visit our self help tool found at XXXX XXXX XXXX for more issue resolution steps. 
If you require further assistance, please let me know. 

Thanks, XXXX Coinbase Support Hello there, Thank you for contacting Coinbase! 

Sorry for the trouble. This message was sent to XXXX in reference to Case # XXXX Follow this link to view the status of your case and add additional comments : XXXX XXXX XXXX
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC. (MA)

I have sent Credit Bureau Associates NE several debt validation and they have not responded to my request. Also the credit reporting agency deleted the items from my credit reports and Credit Bureau Associates NE placed it back on my credit reports.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my Experian report that is not the address stated on my license.
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (IN)

On behalf of homeowner/client ; XXXX XXXX two complete hardship packages/requests for mortgage assistance were prepared and submitted to Prime Lending/XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 

To date ( XX/XX/XXXX ) Neither request has been reviewed. 

The first request was submitted via email as that was listed on the mortgage statement and deemed a reliable way to send the documentation. On XX/XX/XXXX I spoke with XXXX XXXX agent XXXX and inquired about application sent in XX/XX/XXXX. XXXX XXXX said that the email isn't checked by anyone and that I should have faxed it. I answered that no fax number had been made available on the statement or in other I advised that I would send a new request for assistance to the fax number that was offered and did so. I received a fax confirmation and email of receipt of the documentation the same day. I called Prime Lending on XX/XX/XXXX to ensure that documents had been moved to underwriting to again have a frustrating conversation with an individual that acknowledged receipt of documenattion ( actually referencing docs page by page ) yet syaing that no one had reviewed them yet and that I needed to speak with a loan counselor. When I was transferred I was told that I needed to speak with loss mitigation which was not available and that I would receive a return call within a week. I received a vm msg from Prime Lending time stamped XXXX XXXX XX/XX/XXXX asking for a return call. When I returned the call at XXXX XXXX XX/XX/XXXX I was advised at first that no documents had been received and then after some pushing that they had and they would not go to processing for another 5 days. 

This is unacceptable
Consumer complaint received 2020-10-09
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. (NY)

To whom it may concern, I have noticed there has been some fraud activity on my account. The following hard inquiry requests I have never authorized and there was theft on my account back in XXXX which is known by all three credit agencies but for some reason it is still appearing on my report and a few new ones just same up this year. I will post the pictures of the inaccurate ones and ask for them to be removed as they were never approved/authorized by me. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Just want my credit score to be accurate. Any help will be truly appreciated thank you very much. I had contacted XXXX early in XXXX and nothing has been done when there customer service rep had said everything will be removed since they see I didn't authorize it.
Consumer complaint received 2020-10-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-02-19
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. (TX)

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 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CA)

I purchased 1 item with XXXX, when i received notification from USPS that the item was ready for pickup I went to pick it up. At USPS the worker advised me it was 2 items. I advised him that i only only ordered/wanted 1 of the items not 2. I noticed that it was 2 of the same items because the box was the same weight, size and shape. He also noticed it as well. He advised me that I could refuse 1 of the 2 shipments, which I did. On the electronic signature he wrote " REFUSED ''. For the 2nd item I signed for it because I received it. A few days later I returned the other item that I actually ordered. Few days past and i notified XXXX, which they told me to contact the seller XXXX and XXXX bank. I contacted XXXX, XXXX and XXXX. XXXX and XXXX ( seller on XXXX ) where not responding with the return so after a few calls, emails and letters to both ( XXXX and XXXX ) I contacted XXXX opened up a dispute and mailed them all documents with proof of the return, emails to XXXX and XXXX of them being non-responsivness. I waited around 2 1/2 months for XXXX to send me a letter saying that they have removed the credit on my account for the charged and placed the charge back on my account. The cover letter from XXXX advises me of a different customers dispute, not mine. I called XXXX and they advised me that they had to side with the merchant because of what the merchant submitted. I advised XXXX that the merchant didn't provide proof that I signed for the goods, but i provided that i shipped it back to them. XXXX told me that they did receive everything from me, but they couldn't help me. I contacted XXXX via chat and they said they will look into this again for me especially with what i told them and with what she could see on her end.
Consumer complaint received 2020-10-09
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. (FL)

Experian is still letting XXXX XXXX Report XXXX on my Credit Report I want it Removed I worked for them over 15 Years
Consumer complaint received 2024-02-19
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. (IL)

15 us 1681i INCOMPLETE INFORMATION ON MY CONSUMER REPORT Transunion is reporting old, incomplete and inaccurate information on my consumer report. 
this is the second week that Transunion has reported old, incomplete AND inaccurate information promptly delete XXXX  promptly delete XXXX XXXX reported on XX/XX/2024 promptly delete JXXXX reported on XX/XX/2024 evidence is attached below
Consumer complaint received 2018-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

2nd letter sent by certified mail to XXXX, XXXX, Transunion & XXXX XXXX they all have lied they Never Ever received my letters to have all of the accounts I listed should be VALIDATED not a verification VALIDATED they have refused to start an Investigation started stating no Certified Mail was received which is a Lie it was received on XX/XX/XXXX the Investigation need to be done by XX/XX/XXXX tracking information can be given if requested I have spoken with a XXXX, XXXX, all have lied & XXXX was very nasty & rude I DEMAND that all accounts be VALIDATED by XX/XX/XXXX & results be sent by email to XXXX along with all Inquiries listed on credit file to be VALIDATED XXXX on XX/XX/XXXX & XX/XX/XXXX with an Collection acct. under XXXX XXXX # XXXX for {$870.00} that needs to be VALIDATED they have removed Accts from this file that was not disputed or was asked for them to investigate acct named XXXX XXXX XXXX # XXXX I Demand they reinstate this acct. ASAP as this acct wasn't on the list I can provide proof of the accounts that was asked to be VALIDATED listed within the Certified Paper work that was received on XX/XX/XXXX I can provide this proof if requested I WRITE THIS TO INFORM YOU OF THIS FRAUD PRODUCED BY XXXX, XXXX, TRANSUNION etc. If results are not done by XX/XX/XXXX a lawsuit will be filled on these 3 credit reporting agencies UCC 1-308 WITHOUT PREJUDICE
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IL)

This issue is related to XXXX XXXX XXXX offer added to my account. Per offer, I was supposed to receive {$25.00} back after enrolling for a new membership at XXXX XXXX XXXX. However, after waiting for a few days, I contacted CS to see why the credit did n't post. At first, I was told that the charge posted for this offer does n't qualifies for the credit. After explaining to CS that it does qualifies, an investigation was opened up. Today, I inquired on the status and was told that the charge was not valid. I got disconnected before I could respond. When I inquired again, I was told the investigation is still on going. I am not sure if the issue is actually being investigated or not since I have received conflicting answers from CS. Can someone from the executive team look into it? I joined XXXX XXXX as a new member and never had a primary membership. I have emails from XXXX XXXX which was sent out after I took the membership online. Please let me know if you need any other information. Since I can not post my card number here, you can find me by my email address - XXXX or by my zip - XXXX.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There were no changes in any accounts from a credit reporting perspective. TransUnion reduced my credit score by ~100 points as a punitive action from my persistent attempts to get them to correctly report my auto loan from XXXX XXXX . I have been trying to get them to correct for over one year with > 10 attempts.
Consumer complaint received 2018-01-29
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. (GA)

I recently reviewed my credit report and found a late payment. 

Creditor : XXXX XXXX Account # XXXX I was never 30 days late int he month of XX/XX/2017. 

Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had this credit card with XXXX in XX/XX/XXXX, and it was closed when I lost my job ... It went to collection as I was new in the U.S. and young I did not understand the credit thing nor collections stuffs. And never heard and ended up forgot about it because I was in XXXX School. It was closed by XXXX as XXXX XXXX was the one powered the card I knew recently that XXXX XXXX sent to collection that account as a recent one.  Never had any commitment with XXXX XXXX, XXXX was the one. So it passed 7Years it closed, XXXX XXXX can not open it as a recent one. Please look below. 

Account NameXXXX/XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$530.00} written off. 
Status UpdatedXX/XX/XXXX And here 's XXXX XXXX Balance {$530.00} Highest Balance {$530.00} Opened XX/XX/XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: U.S. BANCORP (CO)

I filed a complaint because I can not activate my US Bank ReliaCard and access any of my funds for which I have filed a dispute on because I was robbed or lost my cards a few weeks back and finally now I have a new card but they want me to send you guys a copy of me with my ID I was able to find my paper ID with the barcode and a clear picture of my name and my last address but because of all of this confusion I have been XXXX  so I'm hoping that the photos I'm sending you right now will work for verification process of who I am and would just like to access my funds that were taken from me and also I have already completed the ID me verification process through Colorado labor and employment services so that should be a form of my identity through US Bank ReliaCard as well because I have already been dealing with fraud for over a year now