davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: First Service Residential, Nevada, LLC (NV)

On XX/XX/, XXXX XXXX XXXX XXXX working as an agent for the XXXX at XXXX XXXX XXXX XXXX XXXX sold our home without giving us a new sales date after our Chapter XXXX end on XX/XX/. They sold our home the next day at XXXX XXXX  on XX/XX/. According to state law, the sale was subject to a 60 day redemption period. We were never informed of the foreclosure sale and we never received the Certificate of Sale which stipulates the sale is subject to the 60 day redemption period. One of our neighbors in the XXXX at XXXX XXXX XXXX was given a Certificate of Sale and was able to redeem their home. This occurred in XX/XX/XXXX. They were XXXX. 
We believe that blatant racial discrimination is the reason why we did not get the notice of sale nor the certificate of sale. We are XXXX. We are also both XXXX years old and this is also Elder Abuse.
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

Initiated wire transfer for {$16000.00} from Coinbase to XXXX XXXX on XX/XX/XXXX. Due to incorrect routing number, funds were never sent to XXXX. However, Coinbase showed wire status as " Complete '' and funds were subtracted from my account. 

Initiated support request with Coinbase on XX/XX/XXXX requesting XXXX number for wire transfer so I could confirm with Coinbase 's bank  ( XXXX XXXX XXXX XXXX XXXX ) that they were indeed in possession of the funds, and get confirmation that the wire had not gone through. Coinbase support Case ID XXXX Coinbase replies on XX/XX/XXXX indicating that they are " working with a specialist to address [ the issue ] properly. '' As of XX/XX/XXXX, no further contact from Coinbase on the status of the funds.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX, 2014 XXXX XXXX pulled my credit XXXX times without my permission. I have a consumer statement attached to all credit files stating that all creditors have to verify my identity before using my credit report ( inquiring ). All XXXX credit bureaus allowed XXXX to pull my credit numerous times when I consented verbally to only XXXX. I have written letters to XXXX of the creditors with a certified mail receipt. XXXX of those companies want my personal information to verify my information now ; ( although they never bothered to verify my information to pull my credit in the first place ) otherwise they will not do anything to remove inquiries that I did NOT authorize. Because I 've been a victim of identity theft before I specifically told XXXX XXXX to pull my credit only XXXX, XXXX of my credit reports has a total of XXXX inquiries from this day and it is hurting my credit. All XXXX bureaus tell me to put a fraud alert on my file, which is fine ; the only problem is that their not helping to remove hard inquiries that I never allowed. Then I 'm told they will " Fall off '' after XXXX years. Anyone trying to access my credit file should have adhered to my consumer statement and they completely ignored it, all XXXX bureaus allowed them to do whatever they wanted. I would have NEVER bothered with the statement if it was n't going to be adhered to ; whats the point? I need help with this matter and nobody seems to be able to help me ; I never allowed that many companies to pull my credit, I never would because I know better ; yet I 'm suffering the consequences and surely it will affect my ability to purchase a home next year.
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (TX)

I am a victim of a crypto scam. I had 0 knowledge on XXXX so I became a target of the crypto scammer. 
As soon as my money from bank arrived at Crypto.com, I sent them to the wallet addresses ( which I thought as the legitimate investment ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. However, it turned out that I was investing in a phishing site and all of my money were gone to the scammer. I contacted the customer service at Crypto.com on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX to request to recall my transfers ( as all of them were sent to the scammer ) and to receive information on the scammer ( from the wallet addresses I sent my money to ). 
Crypto.com told me they can not reverse the transfers and just told me they can only provide the transaction hash that local enforcement can use to track down the scammer. Crypto.com also said they can only cooperate with the legal authorities only if they can a request from the authorities.
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: EQUIFAX, INC. (CA)

The Address information listed below are reported on my personal credit file and were found in my report with EQUIFAX credit reporting agencies. These Address information were opened fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (NY)

I was a victim of XXXX XXXX  and debt bondage. 
I am seeking help on my situation where my credit report reflects an outstanding debt that I strongly suspect is connected to a case of debt bondage.
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: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX Disputed the bankruptcy information on my behalf and stated that it was not to be reported on my credit file. Equifax XXXX and XXXX all are reporting this when they know that the company who reported it told them to remove it. This was reported on XX/XX/. The XXXX case number is XXXX for Equifax. XXXX XXXX number is XXXX on XX/XX/XXXX, XXXX.The XXXX Case number is XXXX also on XX/XX/. All case number are the XXXX case number.
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: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

I am writing to urgently request the removal of my bankruptcy record from your database. Despite the bankruptcy court and clerk 's office not providing information to credit reporting agencies, I have found that my bankruptcy record is still being reported through your services. 
I have attached proof from the deputy clerk stating that they do not provide information to credit reporting agencies. It is crucial to note that bankruptcy records are public information, accessible to anyone. However, the dissemination of this information to credit reporting agencies is erroneous and damaging to my financial standing. 
I implore you to take immediate action to rectify this situation and remove my bankruptcy record from your database. Your coperation in this matter is not only crucial but also greatly appreciated. Thank you.
Consumer complaint received 2024-02-02
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

Jefferson Capital is asking for debt that I do not owe. They state in the letter that my debt is with a company, I called the company in question who said I dont owe anything. When I called Jefferson Capital they were asking me for personal information. This is obviously a scam.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

I currently have a personal statement, fraud alert and extended fraud alert listed and showing on my XXXX and Equifax credit report. I want the personal statement, fraud alert and extended fraud alert deleted and removed from my XXXX and Equifax credit report.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (AL)

ANY OF THESE ACCOUNTS DOES NOT BELONG TO ME * XXXX XXXX XXXX   XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT Individual XX/XX/XXXX {$400.00} {$31.00} $ XXXX-PAYS 61-90 DAYS {$81.00} COMMENTS FIRST PAYMENT NEVER RECEIVED *XXXX XXXX  XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$1000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX XXXX   XXXX Revolving OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$420.00} - - - PAYS AS AGREED - Individual *XXXX  XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$3000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual *XXXX XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$6000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX XXXX  XXXX XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$9000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX   XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$5000.00} - - XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED DUE TO INACTIVITY
Consumer complaint received 2024-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I began my loan repayments in XX/XX/XXXX since interest was starting to accrue and I had the funds available. In XX/XX/XXXX one of the loans was fully paid off and I received the paid-in-full notice ( dated XXXX ). In XXXX, a portion of that same loan has popped back up showing I owe {$6900.00} in principal on the loan that was already paid. I have made multiple calls to mohela and end the calls with " we need to review this issue. '' I spent multiple hours going over my payments and bank statements and realized my first payment in XXXX ( paid on XX/XX/XXXX with an effective date of XX/XX/XXXX ) was processed through my bank and email verified by Mohela at {$10000.00}, but Mohela only credited me {$4100.00}. On the most recent call with Mohela they said they could see a payment reversal on XX/XX/XXXX of this year, but yet I never received any refund. In addition, I never requested any payment refund or reversal. I have no idea where the extra money from my payment is and they are still showing the loan as due and accruing interest. Following the last call, Mohela sent me a " financial activity summary '' that shows the past payments, but this still shows that {$6900.00} is showed and no reversal occured. Mohela has thousands of dollars of my money from a loan that was already fully repaid, but they can't find where it is and still show my loan as needing to be repaid with payments starting in XX/XX/XXXX with accrued interest.
Consumer complaint received 2021-01-21
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. (GA)

I sent in documents in regards to inaccurate information being reported on my credit report. These documents were sent in XX/XX/XXXX. I have not received any correspondence into an investigation from Transunion or XXXX
Consumer complaint received 2020-07-04
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. (MD)

XXXX XXXX  is reporting inconsistent information to he 3 credit Bureaus. They are reporting different account descriptions. Experian and XXXX  are showing closed and XXXX  us showing derogatory. All 3 bureaus has to be consistent and they are obviously not. So what im asking for that this acoount by XXXX XXXX  be deleted from all credit bureaus!
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (MO)

This account was removed due to reporting unveriable and inaccurate they re-sold the account and re-inserted back on my credit report. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Consumer complaint received 2021-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX I purchased a XXXX XXXX XXXX tractor from XXXX XXXX XXXX XXXX XXXX XXXX Ga. It was financed by Wells Fargo Financials leasing, XXXX, IA. At the time of purchase, I was provided with a copy of the Installment Sale Contract and Security agreement. I signed a copy and was told by the dealer that I would receive a copy signed by Wells Fargo Financial after the loan was processed. 

XXXX XXXX - XXXX of XXXX, I made payments with an additional XXXX towards principal and 2 payments of {$1500.00} when I sold my old tractor. In XXXX of XXXX, I did not receive a monthly statement. Nor did they come in XXXX or XXXX. I tried calling Wells Fargo, left messages, and finally wrote a letter requesting signed copies of the contract and to be invoiced along with an audit of the account for payments made. I tried to contact them, found that I was locked out of the online website, and wrote them again. Wells Fargo failed to contact me nor respond. 

XX/XX/XXXX - I received an invoice for a partial required payment. I made the payment and requested again a signed copy of the contract, statement of terms, and payment audit. Again no response. Now each month I send the same request, with the standard monthly payment - No response from Wells Fargo Leasing to date.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This is the 3rd complaint I had file againt PORTFOLIO RECOVERY # XXXX I never recieved any information from this company or notifaction concerning this account. I have never heard of this company and never done any business for service, contracts or products.