davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NC)

Midland Credit Management is in violation of 15 USC code 1692e by reporting a derogatory account that shows the account type as a " debt buyer '' on my XXXX report while also reporting it as a collection. On my XXXX report they are reporting account type as a " Factoring Company '' while also reporting it as a collection. And on my XXXX report, they are reporting the account type as " Debt Buyer '', while simultaneously reporting it as a collection. 15 USC code 1692e clearly states that it is a violation of federal law. 

In addition to their violation above, on my XXXX report they are also reporting the account as closed and are not reporting the date is was closed. By doing so they are inadvertently attempting to reage the account. The Fair Credit Reporting Act says that reaging an account is illegal. 

They are also reporting a balance other than XXXX which is also incorrect. 

Midland Credit Management must close this negative account, and permanently delete it from all credit bureaus that are currently reporting it under my social security number.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have disputed numerous things with TransUnion that were in accurate. The reasoning explained Everytime. This company does not ever do anything with my disputes but dismiss them. Or doesn't make any changes when the paper work shows the proof of why I'm disputing. It took for a account to close before they even corrected my pay history, when I was reporting it was incorrect for months. One account steady shows charged off when it's not and the balance even shows I paid in full, yet they still will not removed charged off. This company does not ado anything they should be when it comes to investigation.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately 5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2021-09-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

In XXXX we were approved for an adjustable mortgage which was a XX/XX/XXXX loan. We had 2 mortgages and the 20 % mortgage was by a predatory lender which based upon our low income they approved the loan at an adjustable rate. We were not able to pay the mortgage for 16 years and now they have sent notices to put a lien on the property. How can they do that after 16 years and no correspondence?
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/XXXX I deposited a check into my account via mobile deposit as I have before and the check was placed on a hold. I called XX/XX/XXXX to inquire about the hold and was met with arrogance. 

On XX/XX/XXXX I called back several times over a few hours trying to get them the grease the funds and and this is the time line XXXX was rude and still would not release the check She placed me on hold at XXXX and returned at XXXX She asked me why I needed my funds as if I needed a reason I was placed on hold again XXXX more times after asking to be transferred to the department that handles the check clearance XXXX was still connected to to call and spoke up while I was speaking to the new rep ( security department ) and then stated they were in violation of my right to privacy and she disconnected Security department transfer me to basic level rep how transfered me to XXXX after I stated I would be speaking with a a lawyer about breach of confidentiality. 

XXXX Next supervisor place on the at XXXXXXXX The call ended at XXXX New call started XXXX Transferred to management at XXXX XXXX supervisor same thing ( No release Hold at XXXX Back at XXXX Disconnected at XXXX Next supervisor XXXX Hold at XXXX Back XXXX Disconnect XXXX XXXX XXXX Hold XXXX She would not disclose a repf the hold per Regulation CC and stated she would be disconnecting the call because she didn't have a reason. 
Disconnected XXXX XXXX XXXX reading notes on account Hold. XXXX Back XXXX reading a lot of notes Hold XXXX XXXX Claim : XXXX Documenting regulations XXXX XXXX Hold XXXX Back XXXX False advertising lie stating mobile checks are not honored by XXXX XXXX Disconnect XXXX XXXX XXXX She can't give me a answer only a address to the president of the company Hold XXXX Back XXXX Disconnect XXXX Teja Deja XXXX Case # XXXX Hold XXXX Disconnect XXXX Throughout the whole situation, I was met with various different statements that my mobile deposit was not regulated. My mobile deposit was on hold for normal processing. My mobile deposit was unable to be processed due to my account status, and none of them were accurate or valid information given from the reps.

Not once that any of the reps say that the check was fraudulent or on any type of hold from a fraudulent condition. Throughout each call, I verified with them that they were required to provide a response on why my check was being held and I was still met with their localized availability. Several of the reps even suggested that they were not regulated to follow those regulations set by the regulation cc.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (DC)

Per 15 USC 6802, 12 CFR 1016.7 and 16 CFR 313.7, as a federally protected consumer, I am OPTING OUT of the furnishing/reporting of WELLS FARGO acct XXXX XXXX to my consumer report until further notice. This includes ANY and ALL authorization ( verbal, non-verbal, written, non-written ), I the consumer may have given WELLS FARGO to furnish/report information on my consumer report, Re : Acct # XXXX.
Consumer complaint received 2024-02-20
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: ALLY FINANCIAL INC. (PA)

i dont recognize none of the hard inquiry on my credit. i didnt authorize them ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-08
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TX)

I noticed the following collection accounts on my credit report that does not belong to me. 

XXXX XXXX XXXX ... XXXX ... XX/XX/XXXX Caine & Weine XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I collect my salary under the XXXX platform, 3 months ago I made a transfer to Coinbase to buy Crypto, make transactions and then withdraw my money to another account. 
On XX/XX/2022 the company informs me that my account has remained restricted and does not let me operate, it does not give me any warning or excuse as to why they made this decision. 
When I contact Coinbase support, they don't give me an answer, they just tell me that they don't support the country I'm in ( XXXX ), but until last month, I could operate normally. 
So, they have withheld my money, saying that I can only convert it within the platform, but not take it out. 

Attached 3 images : 1- My account disabled 2- The test that in XXXX, I was able to transfer normally 3- Coinbase support saying that in my country only conversion is available
Consumer complaint received 2023-05-08
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX XXXX  1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

I purchased two airplane tickets to XXXX for the amount of {$2000.00}, through PayPal. PayPal offered me payments without interest ( if the amount was paid in full before XX/XX/XXXX. XXXX ). It was never mentioned, that this offer was through a third party ( Synchrony Bank ). 
From the date of purchase, I made payments over the minimum amount required and more frequently. XXXX {$65.00}, XX/XX/XXXX {$120.00} ; XX/XX/XXXX {$120.00}, XX/XX/XXXX {$120.00} : XX/XX/XXXX {$100.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$41.00} etc. 
All the payments are made to PayPal. Paypal did not apply the extra payments towards the airline tickets purchase, at the end of XXXX I had the same balance in my account ( XXXX and XXXX ) I called PayPal twice : PayPal answered : XXXX Nothing can be done ( I was supposed to be more specific about the amount to apply to each account which is not possible. 
XXXX Supervise : Synchrony Bank is responsible for this account. This is the phone number please call them. 
I called the bank twice 1st response nothing could be done, I requested a Supervise and she said. The only thing I can do is apply the last 2 months ' payments to your account, but the accumulated interest will be the same about {$300.00}. 
PayPal should have indicated the 3er. party it was included. 2-From the beginning PayPal should have been more specific about how to apply the payments. I am not ready to pay the interest requested.
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)

I am submitting to address the matter of the alleged debt associated with my items. After careful examination, I have become aware that this debt has been re-aged, a practice that is both unethical and in violation of consumer protection laws. Consequently, I demand the immediate deletion of all records pertaining to this re-aged debt. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XX/XX/XXXX
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Without any approval a Doctors office charged a fee that was already paid for through my health insurance on my Citi credit card that had a XXXX balance. 
Being that I did not ever use that credit card I was unaware that there was a fee charged to the card. 
When I checked my credit score and noticed it went down significantly I discovered the issue. 
Contacted the doctor and Citibank the charge was reversed and all of the interest and late fees were reversed as well. 
While the charge was pending - Citi sent to the credit bureau a mark of serious delinquency to my credit file. 

Contacted Citi on XX/XX/2016 to reverse the notification to the credit bureau. They never removed the delinquencies on my report. 

See .pdf file for charge/fees and reversal of all Credit card remains at XXXX balance
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (FL)

Hello, I banked with Current. The account is still open and I have attempted to work with them for months now. I disputed a charge that occurred on XX/XX/XXXX for an amount of XXXX. The charge is under XXXX however no other merchant information is available nor can I locate anything about this mysterious charge. So I submitted the dispute to current with my XXXX pay history as the card used was the virtual card they offer which only works with XXXX pay and there was no charge on or around XX/XX/XXXX in the amount of XXXX in my XXXX pay history. On XX/XX/XXXX the only XXXX places I went were XXXX and the tattoo parlor XXXX XXXX. At XXXX I used my innovations debit card to pay for food and at XXXX XXXX, I provided cash for the tattoo and provided a tip of XXXX with the Current debit card. After I submitted the dispute with the evidence they denied the claim saying the phone number matched and that it was a fuel dispenser. I asked for a full report which I have yet to receive it and I also asked them to please advise which fuel dispenser was used so I can go and request surveillance footage which I have still not got a response from Current on which fuel dispenser it was or the business name attached to the fuel dispenser. I submitted a XXXX  dispute which has the same screenshots both from my phone directly and using the my phone app on the pc. This has been an ongoing issue now for 2 months and based on the XXXX  sight a lot of complaints are the same. I feel there has been no real work has been done and they are just denying claims to deny them even though they do not provide any evidence that the charge is legit. I have provided substantial evidence and am dumbfounded that they are prolonging this to the point where legal action could be taken against them for these shennanigans.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Great American Finance Co (IL)

On or about XX/XX/2016, I purchased a sectional from XXXX XXXX XXXX in XXXX, IL. When the item was delivered it was damaged and it had bed bugs. I incurred a cost because I had to fumigate. The item was immediately returned. I was refunded for the item. XXXX XXXX requested I come in to reselect an item. I went in reselected but I was told the item would not be available for two months. I was ok with this because my home was under construction and I was XXXX  at the time. I received a call in XXXX of XXXX  from a XXXX XXXX representative indicating that my item was discontinued therefore it would not be delivered therefore I was told that I needed to come in and reselect.By this time I was frustrated and had no interest to purchase from XXXX XXXX. I was also undergoing a XXXX XXXX XXXX with XXXX XXXX so I was in and out of hospital. My focus was my baby. I never received an item from XXXX XXXX XXXX nor did I go back to XXXX XXXX. I am currently trying to purchase a home and this is affecting my credit. I have reached out to Great American Finance and the only thing they can tell me is that the item was delivered. I have gone to XXXX XXXX XXXX and they tell me that their delivery guys is an independant company. I have asked for proof of signature on who received the item and I have not been provided with such. I have been back and forth with Great American Finance they are making no effort in investigating the matter and XXXX XXXX is not making any effort to help me solve this matter. Great American Finance hung up the phone on me. Again I never received an item from them. They started sending me letters recently to settle but I don't owe them money if I never received an item. I had no idea this was on my credit report until I ran my credit in light of trying to purchase a home. This is the only item affecting me.
Consumer complaint received 2022-06-16
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. (FL)

There are three inquiries on my credit report that arent mine and need to be removed. 

XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  Theyre unauthorized and will need to be removed as soon as possible. 

Contacted creditor for letter of deletion and uploaded documents with FTC report.
Consumer complaint received 2021-10-07
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. (VA)

XXXX XXXX XXXX XXXX lists me having a 30 days late on XX/XX/2020 and this is reporting incorrectly and i have notified the company and equifax about this and still no correction
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXXXXXX ( Original Creditor : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I worked hard to pay off all my student loans. But I applied for a mortage in the spring and is says on my credit report I'm 90 days late. I call Navient they say, oh no there is one more. I'm on an auto draft and there is no payment due because of covid. My account is in high standing. He promised to take off the 90 days late ( Since I am not late. ) and the draft would begin again when it was due. I just applied for a debt consolidation loan yesterday, 7 months later. Navient is still report 90 days late. No address for me to send to and no one clearing it up. Can you help?