davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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)

This is my next endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2021-08-11
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: Experian Information Solutions Inc. (IN)

I noticed that Experian was reporting wrong information on my credit report. I sent them a letter, which was delivered to an individual at the address at XXXX on XX/XX/2021. On the green return receipt they state that they have received it on XX/XX/2021. I have stated in the letter to remove this information because I did not authorize them to report on this alleged account without my consent, which was a total breach of my privacy pursuant to 15 USC 6821a. I also am aware of my Federally Protected rights as a consumer and a natural person. I am aware that pursuant to 15 USC 1681a ( 2 ) ( B ) that " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. I am aware that I am the natural person and consumer in fact which extended the credit via my credit card also known as my Social Security Card. Pursuant to Federal Law, credit reporting agencies have 30 days to respond, and I have still not received any correspondence from their agency. This is a clear violation of the FCRA and I intend to reserve my rights.
Consumer complaint received 2023-01-31
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. (OK)

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.

Account name : XXXX XXXX ; Account number XXXX has violated my rights. 

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 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2024-02-23
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)

XXXX, All they did was updated and did not remove from my credit ( see attached ) Original request to remove these items that are in Violation of Code US1692g Code 604 15 USC1681b and 15USC1681C-2 Repo : 15 USCode 1635, 15USC Collection companies that I have no business with neither gave my signature or permission to report any thing to my credit. Inquires that I have no knowledge of. repo reporting has an open account with a balance. Together XXXX reporting a huge balance on charged off account Those items are creating XXXX in my life
Consumer complaint received 2023-01-31
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

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 2023-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have sent two dispute letters to equifax and i have not got any response.it was inreference to account number XXXX XXXX XXXX XXXX date opened XX/XX/XXXX date of last XXXX XX/XX/XXXX sold to XXXXXXXX XXXX the seven year statute has expired.
Consumer complaint received 2020-06-02
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. (GA)

***Hello to whoever might read this, my name is XXXX XXXX . I have been trying fix some of the incorrect informations in my credit report several times but it seems nothing has changed in my report. I figure out that some of the addresses and employment information are false and not belong to me or our business. I see that the inaccurate information might have a really high risk to effect our business and really hope that it would get fixed soon. There are addresses and employments information that need to be removed out of my credit report : EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-05-04
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: DISCOVER BANK (NY)

the account does not belong to me and is fraudulent, police report and Federal trade commission was informed XXXX  XXXX XXXX and continues to report fraudulent information after putting on notice that the account was a fraud and was not open by me
Consumer complaint received 2021-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (IL)

XXXX XXXX XXXX Billed me. I am a XXXX client. XXXX XXXX ( XXXX  ) response was '' XXXX Response : Thank you for contacting XXXX XXXX customer service. I? m sorry you? re experiencing this billing issue. Please contact the provider? s billing department and inform them that as a member of XXXX/XXXX XXXX you? re not responsible for out-of-pocket expenses per XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines and should not be billed. If the provider has any questions about the claim filed, they can contact XXXX XXXX directly. If you continue to receive bills for this appointment, please contact XXXX XXXX XXXX XXXX at XXXX XXXX to file a grievance. Feel free to contact Member Services if you have any additional questions, XXXX XXXX '' I sent this to XXXX XXXX XXXX. Now this bill is on my credit report!! I am stll receiving bills. On the XXXX site XXXX gets an F rating because bills are paid and they still put it on credit report!! XXXX COMPLAINTS-https : XXXX
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

XX/XX/XXXX I lost my job, I asked Seterus for a forbearance ( 4 ) times in writing. They would never response .I would call Seterus and the rep would tell me ( they needed to know when was I going to pay my debt ) no could give me information on the packages I was submitting to Seterus fro help. I called Seterus in XX/XX/XXXX, to inform them that, I found a job and would start XX/XX/XXXX.I rep. that I was speaking with indicated the reason I was turned down, because Seterus had my property listed as land. At, this point I still need help, my earning is {$XXXX} hr x 40 hours a week. I can not afford the offer. The forbearance was denied, at it clearly indicates my condition. I have been offered a XXXX Loan Modification which is {$100.00} less than the original mortgage, which I cant afford.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

This is my fourth attempt to have inaccurate information removed from my credit report. Equifax reports a 60 then 90 day late and then the next month reports 30 days late on an account. I have tried repeatedly to correct this information. I have sent my drivers license, notorized letters, copies of my social security card, my military ID, and copies of utility bills. Not only will they not remove the inaccurate information but they keep sending me letters asking for the very same documents I sent off to prove my identity.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo removed/froze all of my money in my bank account in XX/XX/2020. I am requesting that Wells Fargo find out from XXXX XXXX  XXXX ( the law firm Wells Fargo stated they gave the money to ) who XXXX XXXX  XXXX gave the money to or do they still have the money? This letter provides to XXXX XXXX  XXXX and Wells Fargo the authorization to release this information to CFPB and to myself in case this authorization is necessary.
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (ID)

I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. Thank you.
Consumer complaint received 2020-09-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (WI)

On XX/XX/2020 I sold my home in XXXX GA XXXX. I had money in an escrow account which should be refunded to me. On XXXX XXXX XX/XX/2020 I emailed The Money Source at XXXX  @ The Money Source .com regarding why I have not received my escrow money. There was no response. I also called The Money Source at XXXX three times but NEVER was able to speak with an agent. I was on hold approximately 45 + minutes before I got fed up and hung up.On XXXX XXXX I sent another email and called twice. Again, no response. On XX/XX/2020 I emailed The Money Source THREE times and called Three times. Again-NO response. 
On XX/XX/2020 I emailed The Money Source and again NO response. On XX/XX/XXXX @ XXXX cst I called The Money Source and finally reached an agent-XXXX. 
He told me that a check was sent on XX/XX/2020 in the amount of {$1200.00} and mailed to my current address. XXXX verified the address as being on file. I was told by XXXX a new check would be sent but it would take 7-10 business days. 
THIS IS UNACCEPTABLE. The Money Source completely ignored my previous attempts to contact them. They acknowledged receipt of the email but FAILED repeatedly to contact me to discuss or explain why my escrow money was delayed.. My money was being used by them preventing me from earning any interest on the escrow money. 
The customer service of The Money Source is PATHETIC. They are absolutely the WORST mortgage company I have ever encountered. You are unable to call them by telephone without ridiculously long wait times. They do not followup emails they receive despite their automated response telling you a customer service person will contact you within 24 hours. THAT NEVER HAPPENED. If I had been late with a mortgage payment I would have been penalized. The Money Source should be penalized for their failure to pay me my escrow money in a timely fashion.
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX, I sent a secure message to Comenity Bank in the online account servicing website for my Ann Taylor MasterCard requesting a waiver of the late fee and interest assessed on my XX/XX/XXXXstatement. I received a reply on XX/XX/XXXX, granting a courtesy credit for the {$27.00} late fee that had been assessed. However, when I viewed the online account activity for my card, the late fee correction appeared as an additional debit of {$27.00} dated XX/XX/XXXX rather than the expected credit. In my XX/XX/XXXX statement, a {$27.00} " other debits '' entry appeared in the summary of account activity, increasing the final statement balance, and the " LATE FEE CORRECTION '' transaction appeared as an additional charge rather than the expected credit. This additional charge was not what I expected from my request. On XX/XX/XXXX, I sent a reply to the secure message I had received in XX/XX/XXXX requesting that the late fee credit be properly processed. I received a reply on XX/XX/XXXX claiming that a proper {$27.00} late fee credit would be applied, but when I checked the associated account activity, I saw that a second " LATE FEE CORRECTION '' transaction for XX/XX/XXXX had appeared with an improper {$27.00} debit instead of the credits I desired. The two {$27.00} debits on my account are not legitimate fee assessments, as I have not made any recent late payments on my account, and I do not believe they are appropriate methods of addressing my initial request to waive a past late fee.
Consumer complaint received 2017-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

XXXX XXXX, 2017 Account Reference # : XXXX To whom It may concern, I request validation of thisdebt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to :  For the purpose of validation provide me with : The name and address of the original creditorThe original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Please also note Texas BCC17.
I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (WA)

I have tried to contact XXXX - XXXX credit reporting relative towards the following companies seeking inquires about me without my knowledge or consent. The companies involved are : 1. Discover Financial Services XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 3 total inquires on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I wrote to XXXX XXXX  asking for the documents or account opening information because my identity was recently compromised. ** 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX inquire on XX/XX/XXXX ** I wrote to XXXX XXXX asking for the documents or accounts because my identity was recently compromised. 
3. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Inquires were made on XX/XX/XXXX and on XX/XX/XXXX & XX/XX/XXXX. 
** wrote to XXXX XXXX asking for an explanation for this account and got NO RESPONSE. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX inquiry on XX/XX/XXXX AGAIN, I wrote to XXXX XXXX wanting an explanation with documentation and account information BUT no response. 
5.XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, DE XXXX XXXX Inquire on XX/XX/XXXX I wrote to XXXX XXXX asking for the documents or accounts because my identity was recently stole. No reply. 
6. Discover Bank XXXX XXXX. XXXX XXXX XXXX Utah XXXX XXXX UT XXXX Inquire on XX/XX/XXXX Again, no reply from XXXX XXXX. I asked for the documents or accounts information because I was recently an identity theft victim. No response. 
7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Inquiry on XX/XX/XXXX. I wanted the documentation and account information of this inquire. Again, No response from XXXX XXXX. 
8. Customer XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Inquire on XX/XX/XXXX I wanted documentation of the account. No response from XXXX XXXX. 
9. Discover Bank XX/XX/XXXXXXXX XXXX DE XXXX Inquire XX/XX/XXXX No response from XXXX XXXX. I wanted the documents and information. 

I asked under the FCRA law to expunge these inquiries and place a BLOCK on my credit report and to inform me immediately if an inquiry is placed on my file and prior to sending anything to any inquiring company to inform me.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX I made a payment to Bank of America credit card for XXXX however they took XXXX from my checking account. I immedately called the credit card company at XXXX I was told I would be refunded within 3-5 business days. As of this writing I still have not received my refund of XXXX. I have spoke to many managers daily and have been promised my money will be in my account the next day and no funds. I am tired of being lied to. They made me call my bank the other day to see if the money cleared in which it did just to hold me off. I am at my wits end I hope you can help me out.
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

I purchased Bitcoin through an account I had created with Coinbase , Inc . Immediately after purchasing the Bitcoin, using their XXXX application, I was locked out of my account with no access at all to my funds. 

I have been contacting Coinbase customer support, every day, for the past 3 weeks. I have never gotten anything except an automated response that doesn't even address the problem.

I have sent just over 120 messages to Coinbase customer support now. Researching the problems I am encountering with Coinbase has shown that I am not alone. It seems like many thousands of people have had the exact same thing happen to them.

I just want my funds and I want to close the account.
Consumer complaint received 2020-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RECOV ASSOC gets information from other company 's records that are no longer in use, records that have been charged in bankruptcy or debts that do not exist. They specifically prey on minorities and women, and I am both, a WOMAN and XXXX, they prey on this demographic because they feel we can easily be intimidated into paying money I do not owe the debt and desire them to release me from it and to stop harassing me and remove it from my credit report. I reported them to CFPB in 2018 : XXXX XXXX XXXX  XXXX I do not know Communication tactics XXXX XXXX XX/XX/2018 Closed Company responded XXXX XXXX XXXX  XXXX I do not know Communication tactics PORTFOLIO RECOVERY XX/XX/2018 Closed Company responded