davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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)

In accordance to the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights as a consumer. 
15 U.S.C.1681 Section 602 A. stated 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 an account without my written instructions.
Consumer complaint received 2022-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I received two unsolicited text messages from XXXX XXXX XXXX ( XXXX ), both purporting to collect a debt due by me to Capital One Bank, XXXX. I have never owed a debt to Capital One Bank, although I hold XXXXwo deposit accounts there. The first such text message was on XX/XX/2022 and represented that I could save up to {$530.00} in up to 18 payments. The second text message was on XX/XX/2022 and did not contain an amount but requested that I contact XXXX. Both referenced Capital One Bank and both stated that they were attempts to collect a debt. 

It is not clear to me whether the text messages represent phishing attempts or actual ( if inaccurate ) attempts to collect a debt that I do not owe. I have requested via the XXXX that it authenticate the debt and that it cease and desist from contacting me.
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (OH)

I have advised XXXX XXXX XXXX, XXXX that I am not obligated to pay a 3rd party on charged off account. I have asked them to remove my cell phone number XXXX from calling and they continue. 
This company is also reporting on my credit report as 30, 60, 90, 120 past due and the balance is same {$370.00}. I have asked them to remove these late payment marks because I am not within a contract with them only Best Buy, they have refused to. I have my consumer rights and this company has broken them.
Consumer complaint received 2021-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon receiving my credit report from TRANS UNION I seen 2 medical collection accounts from XXXX XXXX XXXX {$2800.00} and XXXX ) {$9600.00} and an unauthorized inquiry for a XXXX via XXXX account allegedly on XXXX. I sent 3 certified disputes letter dating XXXX, and XXXX. To this date I received no correspondence and as a consumer I asked for verifiable proof XXXX original contract with said company with my signature and not a copy ), names and addresses of the individuals that was spoken to ( rather than sending a meager fax ) that allegedly verified the information being falsely reported ; as well as the method used to verified said false reports. The last and 3rd letter sent on XXXX also informed that a COMPLAINT TO FTC, FCRA, STATE ATTORNEY GENERAL to solidify and strengthen my case before I take the next steps of obtaining a consumer attorney and filing a small claims litigation for ALL MONETARY DAMAGES I'M ENTITLED FOR WILLFUL/NEGLIGENT NONCOMPLIANCE OF THE LAW UNDER SECT. 616 & 617.
Consumer complaint received 2018-03-15
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)

Equifax violated my Privacy Rights as a Veteran without my permission. Also spoke about my personal identity when there are laws against not protecting my name, address, and reporting false errors hurting my good name and FCRA. 
Equifax was hacked several years ago and just violated a few of my Privacy rights without even contacting me. 
Equifax had a chance to prove to me why they kept unknown collection accounts in my credit report. The last four years Equifax hasn't responded five times to my disputes. I mailed another dispute a week ago to Equifax I decided to file this complaint because they won't report my findings of errors as a Veteran. 
This has hurt my borrowing other monies and lost out on homes because I didn't meet score requirements because Equifax refused to remove errors while violating my Privacy Rights, electronic communications, non disclosure statues, user authentication rights, OMB Guidance on Computer Cookies, and Government Paper Work Elimination Act as a VA Privacy Policy and it's hurt me as a Veteran and consumer.
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see multiple accounts that does not belong to me.
Consumer complaint received 2020-11-25
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: Asset Management Outsourcing, Inc. (AL)

On XX/XX/2019 Nationwide Recovery Services from the original creditor XXXX XXXX XXXX per XXXX XXXX added a derogatory mark on my credit report. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also there was no form of written communication, contract, signature, for this accused debt at all. A bill without a signature does not validate the debt, and anyone could send a bill and say its mine. According to FCRA the above collection agency has violated my rights as a consumer and I am requesting legal action to remove this from my account immediately.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2018-03-15
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. (TX)

WERE DISPUTED FRAUDULENT ACCOUNT DUE TO ID THEFT WITH EXPERIAN MORE THEN 60 DAYS, EXPERIAN DID NOT SENT ANY REPORT BACK TO ME.
Consumer complaint received 2019-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT WORLD SERVICES, INC. (KS)

Are you kidding me? the last time the spoke to me was XXXX2018? I have been contacting them through the CFPB. Are they really that lame? I was told it takes 30 days for this to be removed and we are now into the 90 day time frame and it is still on the XXXX report. So again Credit World has been in contact with me through this portal please get the facts straight. I was getting absolutely no where when dealing with these people directly!
Consumer complaint received 2018-03-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (AZ)

Payday Loans are illegal in the state of Arizona. 
I had no idea the interest rate would be phenomenal. 
How can they report to credit bureaus if they are functioning illegally?
Consumer complaint received 2022-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (SC)

PHOENIX FINANCIAL SERVIC Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  OpenedOct XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name XXXX XXXX XXXX XXXX Phoenix Financial Services continously report to all 3 credit reports as if I have an account with them. They are the original creditor for one, for two, it's too old to be on my credit report, for three, I know that they can not keep doing this. I'm asking that they remove from all 3 credit bureaus and stop harassing me.
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital Services, who manages the account for LVNV Funding LLC, contacted me the 1st time by mail, on XX/XX/2024, and 2nd time XX/XX/2024, in reference to collecting on old/ stale debt identified as XXXX XXXX XXXX XXXX XXXX XXXX and I responded that I do not have any responsibility for the debt youre trying to collect. 

Resurgent Capital Services, who manages the account for LVNV Funding LLC, I advised that they know that they are illegally violating my rights per the FCRA law. XXXX XXXX XXXX has charged this debt and has written this off and no longer pursuing this debt. I also advised NO COMPANY can legally, including XXXX XXXX XXXX or you, Resurgent, can no longer retrieve this debt even though they sold it to you. I advised that they can not harass me or violate me to pay for something that has already been written off. Once again it is illegal and a violation to try and retrieve the debt or sell the debt after charging it off. 
According to the FDCPA I am refusing to pay the debt and demanding to cease further communication { 15 USC 1692c ( c ) }. I am demanding you in this letter in response to a demand for payment made by your company. This letter is a notice sent pursuant to the Fair Debt Collections Practices Act that you are no longer permitted to contact me. Please cease all communications with me regarding this debt. 
Also, once you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. 

After I sent this letter, they did not follow my direct demand to cease and desist and placed this debt on my credit report anyway. I if they do not remove from credit file immediately. I will use the FDCPA violation law and collect {$1000.00} for violating my rights.
Consumer complaint received 2021-11-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

I just realized this just now. 

The cash to close on the closing disclosure sent from the country place mortgage to the CFPB on XXXX was {$590.00}. 

The cash to close that we were told during closing with XXXX XXXX with country place mortgages information on the earnest money contract that we signed XXXX. States that we needed to put down {$7300.00} to close on top of the {$1000.00} deposit that we had already paid. 

They also were requesting this money XXXX when we closed on XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. There collection companies do not have a contact with my signature.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OH)

You allow Wells Fargo to police themselves that's how they got into the issues. I should be part of the wells Fargo settlement however they can't find my accounts. They did not look hard enough I had them years ago and the information is online which I do not have access to they conveniently only found one account without any fees. Well look more for the accounts I did have account number XXXX with them as well as another account that had my payroll check frozen they conveniently could not find that account either. I don't have any of the informtion they are asking for to " research '' my question. How could they possibly work this settlement if they can't even find my account informtion. All they have to do is find the one account and look for others.
Consumer complaint received 2018-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I accidentally added non-ERC20 Ethereum address which I created at Coinbase to the dashboard of XXXX. I should have used ERC20 compatible Ethereum wallet address. After I made transactions, XXXX  sent XXXX tokens via a smart contract to Ethereum address which I created in Coinbase. 
I have invested about XXXX in XXXX tokens which makes XXXX XXXX tokens. I can wait for a ticket resolution for several weeks. In fact there is more you can do to assist me as I know that it is technically possible that you can transfer these tokens. 
The XXXX  XXXX XXXX has proof that there are tokens in address which is created in Coinbase.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CO)

I received a text message from ( XXXX ) XXXX The scam email said... 
Wells Fargo : Your account has been restricted from making additional transactions due to some unusual activity. Visit XXXX XXXX XXXX to verify your account
Consumer complaint received 2022-01-16
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: EQUIFAX, INC. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (CA)

On XX/XX/2021, I placed a limit order of {$2300.00} to buy BTC set at a very low price by typo and hence there is almost no chance for the order to get filled. I wanted to cancel the limit order and place a new one, but Gemini doesn't allow me to cancel the order. I submitted a customer service requests but got no response at all. My money has been trapped there for 9 days as Gemini doesn't allow me to cancel the order or withdraw the money. I have right to get back my money since all my deposits into Gemini have been settled.
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NV)

Citibank taken fund from my acct. i deposited 3 checks at the same time through mobile banking after a month from the time i deposit those check i ripped all checks. i found out they took all the money that i deposited. they said those check was presented again in 2 different banks and i dont have account on those bank. i insist that i ripped all those checks. i asked for help and went to the bank to get some help try but they cant answer me why they took my money without further investigation. i gave them a copies of those check but they said there is no trace of fraud. it is fraud because they took the money from me. they cant even help me. im so stress and confuse where to get help with this situation since they blocked my account and my tax money will go to that account. im not rich i live my life paycheck to paycheck but citibank is not helping me to resolve this. im so disappointed and lost ... hope somebody can help me to resolve this since citibank is not doing a there job.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (FL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX Oregon XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

I had a bad debt with XXXX XXXX in XXXX. That debt was sold to Jefferson Capital Systems. 

Jefferson Capital is reporting the Date of Last Activity as XX/XX/XXXX, when it is actually in XXXX. I have disputed this multiple times and they keep verifying the XX/XX/XXXX date as accurate, when in fact it is not. 

JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-16
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have advised Portfolio Recovery Associates, LLC that I am not obligated to pay a 3rd party on charged off account. I have asked them to remove my cell phone number XXXX from calling and they continue. 
This company is also reporting on my credit report as 30, 60, 90, 120 past due and the balance is same {$370.00}. I have asked them to remove these late payment marks because I am not within a contract with them only XXXX XXXX, they have refused to. I have my consumer rights and this company has broken them.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report and noticed a multitude of inquiries by ( XXXX, TRANSUNION, & XXXX ) which I DID NOT initiate and am requesting removal. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX 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 XXXXXXXX. XXXX XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX