davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

XX/XX/2022. I bought things through the weekend, it showed on ATM receipts and app as off my total. Sunday night the XXXX something came out putting me negative. I should have got XXXX over draft fee they charged almost XXXX in fees for things I bought friday and Saturday .. this is the XXXX time this has happened. First national bank of Pennsylvania
Consumer complaint received 2021-05-24
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: Resurgent Capital Services L.P. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Keynote Consulting, Inc. (TX)

On the year XX/XX/2014 I proceeded to contract a company 's services named XXXX XXXX XXXX as a activities organizers for adults at XXXX Texas for a total of {$1.00} and paid to begin around {$400.00} but now they are collection the rest of the money. 

They sold a credible idea but this just did not work for my expectancies and I decided not to go along with them and cancel the subscription in the right time as they demanded but a few months later I see it as a collection account. 

Is now under Keynote Consulting I.
Consumer complaint received 2018-02-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (PA)

I paid three companies from my personal line of credit that I need the bank to look into. XXXX XXXX   XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.These companies took my money and did not render me one bit of service.This just happened in the middle of XX/XX/2017.Do I not have any dispute XXXXights.The bank needs to look into this for me, I know I must have rights.When a company takes this kind of money from people you would expect to get what you paid for.Wells Fargo should take a close look at these companies. Im hoping Wells Fargo would look into this for me as i was rendered no services at all from any of these companies.
Consumer complaint received 2019-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (CA)

To my knowledge I have never had an account with XXXX. I received an alert on my credit and discovered this company has placed a collection account on my credit. Account XXXX XXXX. I have lived at my residence for over 20 years. That said, I have never received a bill from the collection agency or the original creditor. I sent Cavalry a certified letter requesting them to validate the debt- it's been over 120 days. It appears they are in communication with they bureaus alleging the debt belong to me- but I cant get a response.
Consumer complaint received 2018-02-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weinberg Mediation Group LLC (MO)

I received a phone call from XXXX ( XXXX ) XXXX XX/XX/18 XXXX, which went to my cell phone voicemail with a recorded message regarding the following : This is final courtesy call from the Weinberg Mediation Group . Before reporting that you've been uncooperative in the investigation against you, if we do not hear from either yourself or your legal representation today we will be left with no recourse other than to report your noncompliance issue to the proper jurisdiction. Our office number is XXXX again thats XXXX thank you good day I have not received any other information nor communication otherwise written or verbal from this group and/or office regarding any alleged debts. The person does not leave his name or ask for a name of the individual hes seeking. The tone of the person leaving the message is very demeaning. 

I have not tried to contact this mediation group and dont plan to based on my legal rights.
Consumer complaint received 2019-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I was not even living in MO on these dates. I was staying in XXXX for several months visiting my daughter 's. XXXX XXXX is a very common name so they obviously have the wrong one with me.
Consumer complaint received 2022-04-29
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: SUNRISE CREDIT SERVICES, INC (FL)

In accordance with the Fair Credit Reporting Act, Sunrise Credit Services Inc has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX Account # : XXXX has violated my rights. 

XXXX  Account # XXXX Has violated my rights XXXX XXXX Account # XXXXhas violated my rights. 

XXXX XXXX XXXX Account # XXXXhas violated my rights. 

XXXX XXXX Account XXXXhas violated my rights. 

XXXX Account # XXXXhas violated my rights. 

XXXX XXXX XXXX  Account # : XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX Account # XXXXhas 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft and I have not authorized any hard inquiries on my credit profile for the companies XXXX XXXX XXXXXXXX reported on XX/XX/2021, XXXX reported on XX/XX/2021 and XXXX reported on XX/XX/2021. I am requesting that the credit reporting agencies XXXX and Transunion removed these unauthorized fraudulent hard inquiries from my credit profile.
Consumer complaint received 2021-05-04
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. (PA)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Mortgage was transferred from XXXX XXXX to Specialized Loan Servicing LLC. as of XX/XX/2018 I have not receive the information of where to submit my payment. I called and was not able to speak with anyone. When i call through the automated system they do not recognize my original XXXX XXXX account number. If i send a check to that mortgage company and they do not recognize my account how ca i be sure my payment will go through? this change has been a disturbance to my family. We are uneasy of what is next.
Consumer complaint received 2022-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I have a crypto currency account with Coinbase. On XX/XX/2021 I was on my account. I check my account monthly. The following day XX/XX/2021, my son informed me that the currency I owned, XXXX was up 20 %. I went into my account and all the funds ( {$1200.00}. ) were transfered out to an account that wasn't even listed on my transferable account list. The only account listed to send withdrawls to was my XXXX XXXX checking account. This may not seem like a lot of money but my wife and I are eldery and exist on Social Security and a very small pension. We would take money out of the account to aid with medical, food and mortgage payments. It's a big deal. I called Coinbase. It took over an hour to get someone on the phone and another thirty minutes for them to secure my account. They asked ME a myriad of questions before they would even discuss the problem. The representative stated the complaint would be forwarded to security. Long story short. I went back and forth with them for two weeks before I was even allowed back on my site. They stated they were not responsible for transactions. What happened was a suspicous transaction and they did nothing. I think they have no or very little security protocols in place. A class action suit should be filed against them, as there are numerous others.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

Aargon Collection Agency is repeatedly trying to collect on a utility debt that does not belong to us. We have told them that the property was sold two months prior to the incurred charges but they keep hounding us. They have also reported us to XXXX  which is impacting our livelihood. Please help.
Consumer complaint received 2024-03-02
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. (LA)

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by XXXX, XXXX and Equifax. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. Under XXXX XXXX XXXX, XXXX XXXX, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, XXXX XXXX XXXX underscores XXXX 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which prohibits consumer reporting agencies from including certain items of information without proper authorization. I wish to emphasize that, as per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there XXXX be inaccuracies in the reported information, constituting a potential violation of the law. Furthermore, XXXX XXXX XXXX mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section XXXX and limit the furnishing of consumer reports to the purposes listed under section XXXX. I am concerned that the procedures in place XXXX not be sufficient to meet these statutory requirements. In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. Please be advised that, under XXXX XXXX XXXX, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (AK)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2022-04-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NH)

In XXXX I contacted my mortgage company to start the modification process they had all of the required paperwork by XXXX. I had requested calls several times nothing!! Eventually I got my modification papers in XXXX sent them back in XXXX and got a call in XXXX stating it was missing a signature. It wasnt everything was marked. 
They re sent them out got them in XXXX sent them back again they are now claiming they never got them however we have the tracking number and employee name who received them. No one will call me back or email or anything for that matter!! 
No one is even working in an office!!!
Consumer complaint received 2021-05-03
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. (KS)

I have several fraudulently inquiries on my credit report. Ive contacted experian several times they refuse to delete this frivolous activity. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, I didnt authorize! I want these inquiries removed immediately.
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (PA)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (TN)

On XX/XX/2017 I opened an checking account with First Tennessee Bank in respond to a promotion they were advertising on their website at the time : Checking account with direct deposit and get {$300.00} with promotion code XXXX. At the time the ads did not mention anything about direct mailer other than being a resident of TN and surrounding area. Two months after I satisfied the direct deposit requirement my account was still not credited with the {$300.00} that they advertised. So in late XX/XX/XXXX I contacted the bank by phone, and after the agent verified my direct deposits she assured me that the bonus would be credited to my account within 3 to 5 business days because she said she has put in an escalating ticket for me. But a week passed, then two weeks, and still nothing. Finally in late XX/XX/XXXX after I complained in the bank survey someone contacted me, only this time i was given a totally different answer. I was told they denied my bonus because they believe my home address was not on their mailing list. They now claim that promotion was for physical mailer only. What a total lie! That promotion was advertised boldly on their website at the time and i just clicked on the " APPLY NOW '' button under that ads and opened my account. It was never a physical mailer! I don't understand why they are making up such lousy lies now. The only explanation would be to avoid paying out the bonus that they promised in their ads. Either way, that kind of marketing/business practice is very deceiving and dishonest. They may be able to acquire customers quickly at first but won't last.
Consumer complaint received 2022-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

Coinbase has locked my account twice in 5 days for no reason they are holding my btc in my account and wont respond. Ive verified my card with XXXX small transactions and my identity. My bank said I cant dispute because the cant dispute btc transactions can you please help.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

I was charged a fee that has no contractual obligation by XXXX XXXX XXXX in XXXX XXXX  I owe them a portion of the debt, but XXXXXXXX XXXX of the XXXX XXXX debt was added despite the fact that I followed the contract when leaving the apartment. I performed the actions required by the lease, and inquired about any steps not mentioned in the lease. I was ignored. When Genesis contacted me, they would not investigate my claim that I did in fact follow the letter of the contract, and told me that they would not communicate via email, even though XXXX XXXX XXXX XXXX. They are hurting my credit and misusing the credit reporting system. They currently are refusing my request for the recorded call.
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: New Hampshire Northeast Credit Services, Inc. (NH)

NH Northeast Credit Union claim on my credit report that i owe them {$740.00}. I have disputed this over and over again and have gotten no where. I called the company and they state they do not have proof this account is mine and they don't have to have proof that this account is mine. The company also said they have been calling a number that I do not own and have never owned. When i stated that i don't know this number the woman on the line started to yell at me and stated that if i don't plan on paying this bill then she will hang up. Before i could speak, she hung up on me. I know this account is not mine, I have never been to the company they stated I went to for services. My husband has but not me. The company can not say it is mine because it isn't. please remove this from my credit report. 
XXXX already removed it because they found this account to be incorrect. XXXX has it listed without an actual company name. I need this removed from XXXX and XXXX.
Consumer complaint received 2018-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

US Bank has had the funds for the next due mortgage payment since XX/XX/XXXX.  They have once again applied the funds as a principal only pre-payment without the written notification as required by section 4 of the mortgage note. 

I requested that they reverse the funds and apply them as a mortgage payment on XX/XX/XXXX. They did not respond or correct the payments.

I requested that they reverse and apply the payment correctly a second time on XX/XX/XXXX. They still have not responded or corrected the payments. 

They are have been very clear that they do not believe that they are required to follow the terms of the mortgage note and can apply the funds how ever they feel. To the point of not covering the mortgage payments when they have funds to do so.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

There are several errors on my Equifax and XXXX credit reports. on my Equifax XXXX ) XXXX XXXX acct # XXXX, XXXX ) XXXX XXXXXXXX XXXX  XXXX acct XXXX XXXX * XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXXXXXX ( Bank ) XXXX XXXX ) XXXX XXXX ( Bank ) XXXX XXXX
Consumer complaint received 2021-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

I received this information about a collection from XXXX XXXX XXXX i did not renew lease with XXXX XXXX my lease expires on XX/XX/2020 and XX/XX/2020 I surrendered keys I was never late I had an automatic draft out my account. I never received my security deposit back as well the country was shut down due to pandemic I went in to XXXX XXXX  and was not able to renew lease due to employment shutting down I dont know where these figures came from of owing XXXX XXXX and this is totally wrong I never broke my lease and I was out when lease expired I left my unit the way I moved in and did a walk through with the agent and surrender my keys this is totally false and unacceptable and I need this issue rectified.