davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
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. (IL)

As per Section 609 I am entitled to see the source of the information, which is the original contract that has my signature, pay off disclosure, interest rate disclosure, and payment history, please provide. Equifax / XXXX XXXX Is in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification/ validation for. 
In the amount of {$250.00} There was no written form of communication contact or signature for this accused debt at all. Stating that I agreed to pay said amount. Section 609 refers to a section of the Fair Credit Reporting Act As per Section 609, I am entitled to see the source of the information and signed contract with my signature.A bill is not a signed contract! Please dont not send me a bill. This is not a signed contract Please send the signed contract explaining that I signed agreement to pay said owed amount. If XXXX XXXX can not provide this by law they must immediately have items deleted. The collection agency is required to have and provide this information.
Consumer complaint received 2021-01-26
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. (SC)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-06-01
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: JPMORGAN CHASE & CO. (MD)

I was told to contact XXXX XXXX XXXX at XXXX, They declined to provide any information. This was last week. The report was filed by Chase but my own bank XXXX XXXX XXXX also refused to open a business account.
Consumer complaint received 2024-02-26
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)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

I was approved for assistance by XXXX for 18 months. But, my mortgage and property insurance have yet to be paid since I have been approved back in XX/XX/2022. This is due to the mortgage vendor changing to Fay Servicing , LLC. I have already called and emailed HAF multiple times, but there been no changes or updates for 4+ weeks.I 'm unsure to why the property insurance is not getting paid. I submitted the correct info for that document.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (IL)

AXOS BANK CHECKING, IS HOLDING MY DEPOSITS FOR NO REASONS AND WHEN ASKED ABOUT THIS SEVERAL TIMES THEY KEEP SAYING MY ACCOUNT IS UNDER REVIEW THE ACCT WAS OPENED IN XX/XX/2020, THEY ASKED TO VERIFY MY INFO I DID, AND THEY SEEN I WAS A WHITE MALE AND SUSPENDED MY ACCOUNT FOR NO REASONS GIVEN, THIS CHECKING ACCOUNT HERE WAS BASED ON MY RACE I HAVE HAD THIS ACCOUNT SINCE XXXX AND NO ADVERSE ACTIONS ON THIS ACCOUNT UNTIL I MADE A BIG DEPOSIT THEN THEY VIOLATED ME AND MY CIVIL RIGHTS. I DONT THINK THEY SHOULD BE DOING THIS TO INDIVIDUALS AND GETTING AWAY WITH THIS TYPE OF CONDUCT, AXOS BANK IS HOLDING MY MONEY FOR ALMOST A MONTH WHICH IS TERRIBLE TREATMENT. I HAVE ASKED REPEATEDLY IN WRITING TO SEND ME A CHECK ON THE BALLANCE AND DESTROY ALL MY DOCUMENTS AXOS BANK IS A PREDATOR AND A VIOLATOR OF MY RACE AND CIVIL RIGHTS. THEY REFUSE TO RESPOND. PLEASE ASSIST TO PUT THIS IN CLOSURE. TY
Consumer complaint received 2018-03-03
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: Experian Information Solutions Inc. (CA)

I have already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX/XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX hard inquiry XX/XX/XXXX -, XXXX   XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXXXXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XXXX ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Experian XXXX, auto hard inquiry XX/XX/XXXX - XXXX ; XX/XX/XXXX, XX/XX/XXXX - Experian All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting 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. (AL)

My name is XXXX XXXX XXXX XXXX XXXXXXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft due to the XXXX XXXX XXXX. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report ASAP. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

Coinbase did not forward my proceeds from a sale to my linked XXXX account as agreed. 

They stated they had technical difficulties I only received automated responses. 

Attempted 8 times with no resolution Contacted XXXX they stated no transfer was ever attempted by Coinbase Many Coinbase users are now starting to complain on forums like XXXX with same exact issue on this date XX/XX/2021. Not certain if actual amount of people in could very well be in the hundreds of Coinbase users. 

Although my amount is small {$100.00} There are complaints by some claiming they have lost thousands of dollars.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

The account is not my account and I have never had any business with Enhanced Recovery/XXXX. 
I sent a letter regarding a debt collection attempt for Enhanced Recovery/XXXX indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I worked with XXXX XXXX and others at Freedom Mortgage on refinancing my mortgage on an investment property in XXXX, TX earlier this year. I was told throughout the process that I would not be paying any points on the mortgage. In the very last couple of weeks, after *months* of working to making the refinance happen, getting the appraisal done, sending lots of paperwork, etc., they told me that I have to pay {$1000.00} in points, and if I don't like it, too bad. I complained and was told too bad, sorry. Given how invested I was at that point and that my other options I had looked into were gone, I went ahead and paid them to get it over with. 

I filed a XXXX complaint in XXXX. They eventually paid me {$500.00} of the {$1000.00} owed but are refusing to pay the rest. The XXXX complaint is ongoing. They keep making different claims, without proof, about how I caused delays in getting the refinance done, and I keep providing proof to the contrary, including emails and documents from their representatives recognizing and showing that they are at fault for the delays with the refinance.
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone sent a check from XXXX to buy shies he sent more money than expected of XXXX and let me send the money to a shipping company through XXXX so i sent the XXXX through XXXX once i learned it was a scam i reported it to the bank wothin two business days as per eft act i am not liable for anything as i reported it within 2 business days im struggling right now die to covid hope this gets resolved i have the email address to whom i sent through XXXX the check and dates and address of where he shopped the check. Sent it through bank of america app and already got a response that they cant do nothing
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (MA)

Good Morning, I am in the process of doing some work on my house. The contractor reached out to my town for a permit which was denied due to owed taxes. 

The town treasurer said that tax payments were missed and not yet resolved. 

I called the mortgage company which i was told they needed 10 days to researched I asked if the payment could be sent in the meantime which it wasn't. 

I sent 2 emails with no response and called to follow up which they told me that they did pay and disconnected me. I haven't received and update or any follow up and my taxes still have not been paid. 

The company takes monthly payments to my escrow account to pay taxes for me and they have not done that. Where is my money going. This feels very fraudulent and due to the lack of response and makes it even more so that are committing fraud. I still do not have a permit and my work is on hold due to this. I would like someone to step in so they can not continue to steal money from people and get away with it.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX has sold an old debt ( {$1400.00} cell phone bill ) from XX/XX/XXXX-XX/XX/XXXX to numerous debt collection companies as if it was current. I have not used XXXX since that time, as my cell phone carrier. The companies are falsely reporting and then selling to other debt collection companies that is continually affecting my credit, credit scores, and my life! It has reduced my chances of improving my creditworthiness for more than the statute of limitations due for this debt!
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

No one at the credit reporting agencies can explain to me why my scores are so low- which effect EVERY single aspect of my life. I have cleared up inaccuracies and done everything they have recommended. I believe I am a victim of XXXX XXXX and XXXX by all 3 credit agencies as NONE of them are required by law to explain all the facts that are used to generate my credit score. Women and people of XXXX suffer disproportionately from predatory lending or none at all, unequal treatment by landlords and employers BECAUSE of our LOW credit scores which are scored arbitrarily by the agencies which are NOT neutral and treat everyone fairly. 
My credit score needs to be much higher so I can have somewhere to live and get a job. Mt credit score is checked in ALL of these cases!
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

On XXXX, XXXX my XXXX XXXX loan was reported as Charged Off. I've had on time payments since XXXX, XXXX. I've submitted paperwork to both XXXX XXXX on XX/XX/XXXX as well as to Experian. The Experian Dispute was returned in favor of XXXX Bank and XXXX also sent correspondence that the Charged Off will remain. Does this mean I don't have to pay the balance of my automobile loan? I want this rectified. What are my next steps?
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2021 There was a balance of approximately {$1900.00} on the Capital One bank Credit card that was issued to an account we opened. A negotiable instrument for the sum of {$2500.00} ( # XXXX ) was mailed to the company certified mail with specific instructions to adjust the account to XXXX as a debt discharge, and to leave the account open for future use. The letter mailed in also stated if this instrument was not to be accepted as a form of discharge the negotiable instrument was to be returned, but failure to return it will constitute acceptance of the instrument, for full settlement of the debt in its entirety. The consumer contract states that " Mailed payments received by us at any other location or payments in any other from may not be credited as of the day we received them ''.

I checked the account and I was informed the account was closed and the balance was still the same but my negotiable instrument/promise to pay was never returned [ See UCC 3-309 ( A ) ( 3 ) ]. This is also a violation of 15 United States Code title 1691 ( a ) ( 3 ).

When calling in I was informed by a manager the account was closed because of " contract problems with payment '' but the manager refused to elaborate further. 1 week later we receive a letter stating " We are closing this account because of activity on this or another account that is not consistent with our expectations for account usage and violations of the Capital One Customer Agreement. '' It also states " You are still responsible for paying, in full, any remaining account balance. You will continue to receive billing statements until any remaining balance reaches XXXX.
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was sent a money order gifted and 2 days later the sender reversed it and took my money away. When I refused to deposit the 2nd check they sent I began to get harassed and threatened and I never deposited the 2nd check but they ended up taking my first one away when {$1000.00} was gifted to me and the other {$900.00} to be sent to their grandson for medical bills within proves recipients given leaving me over drafted with what I have them {$900.00}
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please provide validation of debt for this account with signature. As I have requested this before. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-08
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)

Hello I sent a dispute for my closeXXXX XXXX XXXX XXXXXXXX account to all 3 credit bureaus on XX/XX/XXXX and didnt get my dispute results until XX/XX/XXXX from XXXX and XX/XX/XXXX from transunion and XX/XX/XXXX from equifax which is over the 30 days. All 3 bureaus after reported it as a charge off on my account in XXXX wrongfully when the account was closed in XXXX and now it is affecting me even worse to XXXXhe point where its harming my credit file and I cant obtain anything as I am trying to buy my first home.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (UT)

Hi. PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2018-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello, I have been facing nothing but trouble when attempting to have Trans Union remove public record information that they are reporting through a third party source without my consent, which is unlawful. I have made numerous attempts to have them remove stated item in my public record section on my credit report with them.

To no avail, they have not once complied with my request to verify with direct source and are continuing to send information back as verified with no accountability of the direct source. I have not, nor have given anyone from Trans Union or their third party reporting services, any written consent or permission to have my information listed.

My credit report and scores have taken a major hit, and are continuing to impact me negatively. Trans Union is causing beyond due stress and harm and are continuing to break the law and will not assist me with correcting the matter at hand.

I have attached copies of Trans Union 's stated reply, which they have not complied with my request of direct verification. I also have contacted and received letter from stated source that they do not report or have given any information to Trans Union, which would result in a direct violation of FCRA and Breach of Privacy Laws.

I have attached letter as well for review and also a copy of certified receipt that Trans Union has received all documents for removal request and have not complied to request per law for removal.
Consumer complaint received 2018-03-03
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. (TX)

This is the 3rd time I've had to address my XXXX XXXX account about errors in reporting my account to the credit reporting agencies. The latest inquiry was sent directly to XXXX on XX/XX/XXXX and an acknowledgement email was sent and received on XX/XX/XXXX with Reference number : XXXX XXXX In the request for investigation I included two attached copies of the Trans Union report where it shows my XXXX XXXX account reporting adversely and incorrectly. I included the dates this error was made previously and subsequently corrected however the letter I received today XX/XX/XXXX doesn't acknowledge the evidence or the reason for the investigation and reads as if it is unwilling or unable to process the simple request. I have never ever been late or missed a payment since I got the mortgage in XX/XX/XXXX and the credit reporting does not reflect this fact at all. The error is occurring on one report as of XX/XX/XXXX in my annual review of my credit files I receive from www. annual report.com. I am escalating this issue because XXXX XXXX had all the necessary information to correct this error and adverse reporting in the XX/XX/XXXX but failed to remedy the harm it is causing my credit score and rating by carelessly sending erroneous data to the credit bureau. The first time this same error was caught by me was back in XX/XX/XXXX and a letter was sent on XX/XX/XXXX about the adverse reporting. This account should not be reporting negatively at all in no shape or form. I work very hard to pay this mortgage on time every month for the last 4 years so I would like to be treated fairly and like a valued customer. I will attached all previous correspondence and evidence that XXXX already has to expedite the resolution of this issue.
Consumer complaint received 2018-03-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques (CA)

A company XXXX XXXX XXXX has already attempted to sue me one year ago. I have recently received another threatening letter of a law suit and wage garnishment. The credit card debt is XXXX of 8-10 years ago. They had previously sued me apprently filed XX/XX/XXXX for the same case and it was dismissed. I feel I am being harrassed by receiving these letters and they are trying to take me to court again, over very old debt
Consumer complaint received 2020-10-31
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: EQUIFAX, INC. (FL)

Second attempt at resolving the issue. 

As I received a current Equifax credit report I noticed that they are reporting fraudulent inquiries from XXXX XXXX XXXX  cards I have never authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX Equifax has not contacted me in over 30 days for some and XXXX XXXX XXXX has contacted me stating that they are going to be removed. I have not seen any updates to Equifax. Both companies are not in compliance with the FCRA.