davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (CO)

i took a loan out with XXXX XXXX XXXX XXXX in the amount XXXX dollars at that time i did ask the person about the rate and got a half answer, after i got the loan i then looked at the agreement and noticed i would be paying XXXX for XXXX XXXX i do have the electronic agreement saved. 
l feel that I am being charged an exceedingly high interest rate for a {$500.00} loan. I have taken loans out in the past and have never been charged an unusually high interest rate as this. I have been making monthly payments twice a month in the amount of {$140.00}. Payments fromXXXX XX/XX/XXXX thru XX/XX/XXXX.
Consumer complaint received 2015-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (TN)

5 years ago my identity was stolen. XXXX opened an account for the person who stole my id. {$200.00} was charged in telephone calls. When the bill was not paid, XXXX contacted me. I did not know my id was stolen. I immediately filed a police report with XXXX XXXX Tn police dept. I filed a form with XXXX to explain that my id was stolen and sent them a copy of the police report. 2 years later XXXX attempted to force me to pay the debt through a debt collection company. I again submitted the police report. Now 5 years later and XXXX is again demanding payment through their debt collection company afni. They harrassed me with phone calls and many many mailings demanding money. I am sure XXXX wrote off the {$200.00} 5 years ago. Now they want me to get a new police report and send them all my info again, for something that happened 5 years ago. And this is the XXXX time they are demanding this info. This is pure harrassment. They wait 5 years to demand money again. The afni has sent many letters demanding money. They said if I do n't fill out a new report they will continue to demand money.
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I traveled with my boys from XXXX to XXXX XXXX for my son 's Soccer Tournament, on XX/XX/XXXX around XXXX XXXX  I realized my phone is not working, I Could not call out or receive any phone calls! Around XXXX XXXX  I took my phone to XXXX to see what the problem is, the person who was working at XXXX suggested replacing the sim-card to solve the issue which it did not, then she offered me a new phone and to pay the difference. Since I did have a new one in XXXX I decided to hold off and come to XXXX to replace the one I had at home, on Monday XX/XX/XXXX I replaced my phone and used the new sim card that she gave me. my phone was working after that. On Tuesday XX/XX/XXXX I checked my coinbase account with the app I had on my phone and I realized that almost the entire account was gone, the account was hacked on XX/XX/XXXX and all my currency were sold at that time. A week prior my coinbase account was worth almost {>= $1,000,000} I had only proximity {$1200.00} in it after. I called coinbase and after waiting almost 2 hours and 30 minutes I was able to get hold of someone and report the issue. I was told someone from Texas accessed my account! I locked my account and delink my bank account from coinbase and reported the incident to law enforcement such as the FBI, DOG, local police department, XXXX, and FTC! I was told by coinbase representative that after investigation, I should get a call from coinbase within seven days! Nothing yet! 
Please advise!
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Recovery Solutions, LLC (OR)

I received a message last on XX/XX/XXXX or XXXX XXXX 2017 and could not understand what the woman was saying, but it sounded very serious, so I did what I could to call back. I finally got through after five repeated tries, without being able to leave a message and spoke with a woman named XXXX XXXX XXXX. She explained to me that her law firm was going to sue me if I did n't pay almost 800 dollars from over 10 years ago. I explained to her that it 's been way too long, and that there 's no way I owe that much. It was from when I was XXXX and opened up a XXXX XXXX checking account. I got hit with some overdraft fees that I could n't pay, so the account closed and went to collections. Scared that I was going to be sued, before reading about the NFCPA and all my rights, I reluctantly agreed over the phone to set up a payment plan that was completely unreasonable at XXXX dollars every two weeks. She urged me to sign the documents they emailed right away, which I did not. I tried to call back but could n't get through until the following Monday when I realized they went ahead and charged my bank the first XXXX dollars even though I never signed and planned to arrange another way of dealing with this. The company is Consumer Recovery Solutions and I was billed through XXXX XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Last 4 Digits SSN # : XXXX / DOB : XXXX Reason : Request to Describe Method of Verification To Whom It May Concern : XXXX XXXX XXXX - XXXX I Have Not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. '' I am writing to request the Method of Verification for the dispute account above in which you " Verified ''. I previously disputed this account. I don't agree with the results of your investigation. Please mail in proof of your investigation by sending the following information used to verify the validity of the account listed above or delete this account immediately. 

The name of the original creditor The creditors address and telephone number The person 's name they verified the dispute with The documentation used to verify the dispute If I don't get proper documentation I will be filing my complaint at : www.consumerfinance.gov/Complaint/ and www.ftccomplaintassistant.gov/ and XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-05-12
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. (WI)

I sent a letter on XX/XX/2019 notifying Transunion that there was fraudulent information on my account and asked that the fraudulent account, including related inquires, be removed from my account. I received a XX/XX/19 credit report from Transunion. The fraudulent account had been removed. However, there are still three related inquiries that have not been removed.
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. (PA)

As far as I know, according to FCRA 605B, accounts that are being incorrectly should be removed on the credit reports. I am not sure what happened but please look at the accounts on the documents. There are reporting inaccurately on my credit report. Accounts and even status are incorrect. I am asking for your help as this upset me and feeling unwell because of the situation.
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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
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. (CA)

Ive reached out to XXXX, TransUnion, and XXXX in writing requesting the process by which they verify public information that they are reporting on my name. I still have not received any response. The request I have made to them is below : PLEASE SHOW ME VERIFICATION THAT FOR ALL THE INFORMATION REPORTED ON MY CREDIT IS BEING TAKEN FROM THE ORIGINAL SOURCE. ANY THIRD PARTY INSTITUTE OR SOFTWARE IS NOT SUFFICIENT TO PROVE VERIFICATION. THE COURT ALSO DOES NOT RECEIVE ANY DATA FROM YOUR COMPANY SO I NEED PROOF OF VERIFICATION THAT YOU ARE USING THE CORRECT SOURCE. 


XXXX XXXX XXXX : Bankruptcy Original filing date : XXXX XXXX XXXX Reference Number : XXXX Record Type : Voluntary XXXX Court : US BKPT CT CA L A TransUnion XXXX XXXX Bankruptcy : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX XXXX  Classification : Bankruptcy Type : XXXX  XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX XXXX XXXX XXXX : Bankruptcy Reference Number : XXXX Date Filed : XXXX XXXX, XXXX Classification : Bankruptcy Type : XXXX  XXXX Bankruptcy Responsibility : Individual Asset Amount : XXXX
Consumer complaint received 2017-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

on XX/XX/XXXX, I filled out a Smart Option Student Loan application with XXXX XXXX to see if I would be pre qualified for a loan to borrow up to 100 % of the school-certified cost of attendance. I did not complete the application seeing i decided not to apply for the loan. I have received countless automated emails from them since saying " my action was required to move forward. Log in to our Activity Center to review and accept the terms and conditions of the loan. Log in to our Activity Center to e-sign your application. '' ******onXX/XX/XXXX I got an email stating this : " Application ID : XXXX Dear XXXX XXXX  XXXX XXXX Thanks for choosing XXXX XXXX XXXX and for submitting your loan application. Please log into your account using the link below to view a letter from us. " I did not complete the application process therefore a soft inquiry should have been done rather than a hard one. I want this inquiry from XXXX XXXX removed from my credit report, please.
Consumer complaint received 2017-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (IL)

EAGLE MORTGAGE IS VIOLATING THE LAY BY PAYING COUNTY LINE PROPERTYS FOR MORTGAGE BUSINESS IN XXXX. THEY HAVE BEEN VIOLATING CFRPB RULES XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2018-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

XXXX XXXX forclosed on my home XX/XX/XXXX. I believe I was fraudlently foreclosed on. It is impossible for me to owe both XXXX XXXX and Ocwen. My loan was orginally serviced by XXXX XXXX. Ocwen purchased XXXX 's assets back inthe end of XX/XX/XXXX. Ocwen reaches out and states they can assit. I enter the SAM Modification and I was still paid my first 2 trial payments and I was still foreclosed on by XXXX XXXX. The paperwork was robo signed and I was cleary done wrong and my rights in general and due process rights were violated. XXXX XXXX has transfered ownership to their name. I have attatched paperwork and court cases which should assit in my explanation. 

The foreclosre is still being reported negatively on my credit reports. This damages my character many other damages that come with that type of negative reporting.
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Chase. They refuse to provide the necessary information based on above mentioned letter ( Attached ).
Consumer complaint received 2017-12-02
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

An inquiry dated XXXX XXXX2016 is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. Did not receive a response
Consumer complaint received 2021-01-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. I also sent a second letter on XX/XX/2020. It has been 67 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : 1. XXXX XXXX CREDIT CARD Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : # # # # # # XXXX Please remove these items from my credit report. They are displaying false and misleading information about me!
Consumer complaint received 2021-03-24
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. (TX)

I'm asking that these accounts be removed and block from my credit report. i receive a copy of my credit report and i noticed a handful of accounts and unauthorized credit inquires on my report. i then contacted the 3 credit bureaus because i suspect it to be fraud. none if the account listed are related to any transaction done by myself.
Consumer complaint received 2018-01-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (FL)

I was looking at my credit report a few years back and saw a collection account that I was not aware of. I also started getting calls from this entity, sometimes 10 calls a day. I told them I didnt recognize this debt and I already disputed it through all of the credit reporting agencies. They said that I owe the debt and still continue to call several times a day. I have no idea what this is for and told them so.
Consumer complaint received 2017-12-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems (FL)

A collection was added on my credit report from XXXX XXXX XXXX for a payday loan in the amount of {$820.00} from XX/XX/2013 that I did not borrow causing my credit score to go down. I dispute this with XXXX XXXX & XXXX but it is still on my credit report. I tried calling the company, it rings twice and then nothing, dead air.
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-03-24
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. (TX)

I'm asking that these accounts be removed and block from my credit report. i receive a copy of my credit report and i noticed a handful of accounts and unauthorized credit inquires on my report. i then contacted the 3 credit bureaus because i suspect it to be fraud. none if the account listed are related to any transaction done by myself.
Consumer complaint received 2019-05-12
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. (VA)

I was sent a debt forgiveness offer by XXXX XXXX XXXX via mail, I emailed the company to verify if the offer was still available, the offer was : To pay " special offer balance '' of {$2000.00} and my account will be marked paid in full. The company confirmed that the offer was available and provided an address to send the check. I sent a check of {$2000.00} first, then {$26.00} totaling in {$2000.00} in XXXX of 2019. This was a cashiers check from XXXX XXXX XXXX XXXX. 
After paying the balance I waited a month and the company did not update my credit report. I emailed them and they said they would contact Experian but nothing changed. I then filed a dispute with Experian by speaking with a representative over the phone, I also sent the letter that was sent by XXXX XXXX XXXX and a copy of the checks sent. 
Experian completed the dispute as " remains the same ''. I called again, to find out why it was not updated. Experian Rep. explained that it can not be removed and my dispute was to have this item removed. Me and XXXX XXXX XXXX have communicated via email and telephone that the item ( Charge Off ) can not be removed but should be marked paid in full in accordance with the Debt Forgiveness Offer. After verifying again with XXXX XXXX XXXX, it seems as though we are on the same page and Experian is not updating my credit report. I filed another dispute in XXXX and the dispute came back again " remains the same '' showing that the balance was still {$2000.00} instead of {$2000.00} and not marked paid in full. My last dispute was to verify the accuracy of the information on XXXX XXXX XXXX and again explaining my situation to an Experian Representative.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX AND XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX  AND XXXX XXXX  XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2021-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

I disputed a {$200.00} transaction that Wells Fargo is allowing to stay on my bank account. My XXXX stole my card information and paid for Her internet with it. Wells Fargo is calling that " Friendly Fraud ''. That is Not Friendly Fraud. Friendly Fraud is when You charge your own card and then dispute it with the bank. The charge was made on XX/XX/2021. The Wells Fargo representative Refused to do anything about the issue. So if I can't resolve it this way, I'm going to scour XXXX, Texas for an attorney to sue. At No point did I authorize Anyone to charge me {$200.00} for internet. The internet account that I was charged for isn't even in my name. It's in my XXXX 's name. Wells Fargo also charged me {$35.00} for the fact that the {$200.00} charged overdrafted my account by {$160.00}.