davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Maximus Federal Services, Inc. (NY)

In XXXX or XXXX, I applied for my loans to be deferred being that I was with hild and I was about to stop working. They denied my deferment. I had no way of paying my student loans being that I stopped working. I went to apply for XXXX for XXXX and found out my loan was in default. When I spoke with XXXX, they told me they approved my deferment and it went into default in XXXX. I was never informed of any approval or default. I asked them why did they never reach out. I never received a phone call, an email, or even a letter. They didn't even have my information in the system. They told me it was their job to do that.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (AL)

I have been sending dispute letters for the account and I have not had one response from this company. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-01-10
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: EQUIFAX, INC. (DE)

The following items mentioned below were totally incorrect or has inaccurate informationbeing stated. 
XXXX XXXX XXXX Balance : {$140.00} Please reinvestigate this account, I was never late on this specific account. You have notified me about the late, if theres any, but since I have not received any notification letter, email or any kinds of contacts from this company, this certain remarks should be corrected immediately. 

( XXXX XXXX : ) XXXX Balance : {$92.00} This account, which you are reporting to be a collection, has nothing to with me. I have no idea about this account and your investigation was not done properly. You should have provided the original account name for this and have submitted any proof or documents to support your claims. However, you have failed to do both. Thus, this should be removed as soon as possible. 

FCTUALDATA Date of inquiry XX/XX/2020 Eliminate this inquiry, because I think the date might be wrong. Look into this information or I suggest you remove it from my credit file. 

1 XXXX Date of inquiry XXXX/XXXX/201 Provide definite proof claiming that this was an action made on my end. If you can't, totally erase it from my report.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These credit bureaus have been notified XXXX times prior to me notifying you, but I do not work for XXXX XXXX and I am self employed, My company is not XXXX XXXX, but neither XXXX of these are allowed to be on the report and these must be removed. 

I own " XXXX XXXX XXXX XXXX '' This is the only name that will be allowed to be displayed on the credit report. 
I Started this company XX/XX/2018 XXXX
Consumer complaint received 2022-03-09
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)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

- Buyout payment was received by XXXXF  on XX/XX/XXXX along with odometer statement - XXXX  cashed the check on XX/XX/XXXX - I was told it would take 3 business days for the account to be updated - On XXXX customer service told me they did not have the odometer statement so I uploaded it to the website - On XXXX I was told the account was closed and the title would be mailed out today XX/XX/XXXX - Today, I called and they told me they can not release the title until they have an odometer statement, which I already submitted twice - I am unable to speak to anyone in titling and it seems customer service is unable to communicate directly with them either.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

I am filing a complaint against Comenity CapitalXXXX XXXX due to incorrect reporting on my credit report. I opened an account in store with this creditor in XX/XX/XXXX. I made my first payment on XX/XX/XXXX with my checking acct but due to previous fraud issues with my bank, XXXX returned the payment. During the dispute process with the credit bureau agencies, I provided a copy of the bank statement showing where the payment was made and I also called the creditor and explained what happened but my concerns were disregarded and I was told that there was nothing that they could do. However, the late fee of {$29.00} was waived on XX/XX/XXXX, XXXX.I disputed the account as incorrect reporting information a total of 2 times, first time the result came back as {$3.00} past due as of XX/XX/XXXX ; second time the results came back as being updated as another 30 days past due ( XX/XX/XXXX ) which is incorrect. How am I past due for XX/XX/XXXX when my bill is not due until XX/XX/XXXX? Upon finding out these results, I contacted the creditor on XX/XX/XXXX only for my concerns to be disregarded a second time and was told they are not showing that the acct is past due for XXXX and that my account would be notated. I am in the process of purchasing my first home and this is hindering me from being able to do so. I am asking that the creditor would update and furnish the credit reporting agencies with the correct reporting information.
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

While I have originally reached out to Portfolio Recovery Associates, LLC., ( referred as PRA herein ) to resolve this complaint and issue, PRA has not responded to a notarized Affidavit of Truth, nor have they remedied the issue. 

On XX/XX/XXXX, I submitted a CFPB report where I have complied my cease and desist, debt validation, including the exhibits of violations, an affidavit of truth, and my desired remedies for this situation. Portfolio Recovery Assoc. is in violation of several codes of the FDCPA, FCRA, and TILA. 

On XX/XX/XXXX, PRA responded to my complaint- rendering the complaint closed. However, I was not notified through the mail nor received adequate response to the aforementioned documents. 

As this is a fraudulent transaction- I did not consent to conduct business with PRA or XXXX XXXX, nor did I consent to XXXX  XXXX transferring my alleged personal information to PRA. I am requesting action to receive the remedies listed in my Cease and Desist to PRA. 


Below you will find the original complaint : " On XX/XX/XXXX, Portfolio Recovery Associates, LLC., sent me a notice of an alleged collection account from XXXX XXXXXXXX Bank in the amount of {$470.00}, by mail. This is a fraudulent account. I responded on XX/XX/XXXX, to Portfolio Recovery Associates, LLC., by certified mail, with a debt validation letter- disputing the validity of this account, and a cease and desist with specified remedies- outlining the 30 days period to respond as required by law. On XX/XX/XXXX, Portfolio Recovery Associates, LLC., responded to me through the mail that an alleged account was sold to them, in my name, on XX/XX/XXXX. The response failed to address my demand for documentation proving this alleged account is mine and failed to honor my cease and desist. This account presents defamation of character and derogatory remarks on my consumer credit reports and hinders me from operating freely as a consumer, in commerce. ''
Consumer complaint received 2022-03-11
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. (MO)

This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT EDXXXX XXXX Balance : {$0.00} XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Balance : {$0.00}
Consumer complaint received 2022-08-08
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. (NY)

I reached out to the consumer reporting agency in XXXX XXXX XXXX requesting a reinvestigation of several accounts. I was sent a letter to saying they do not need my consent to furnish anything on my consumer report and listed the accounts as verified. Consumer reporting agencies need consent to furnish a report pursuant to 15 usc1681b ( a ) ( 2 ) .No consent is identity theft. They also violated my right to a description of procedure to determine accuracy and completeness pursuant to 15 usc1681i ( a ) ( 6 ) ( B ) ( iii ). There are also several accounts that have been charged off and are older than 7 years which is a violation of 1681c ( a ) ( 4 ).
Consumer complaint received 2021-12-01
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: Experian Information Solutions Inc. (TX)

I have demanded on several occasions ( XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 ) for XXXX XXXX XXXX, Experian, XXXX, and XXXX to remove the alleged derogatory late payments from XXXX XXXX XXXX that is reporting on my consumer report. I never gave permissible purpose for them to furnish anything on my consumer report without my written permission which is my rights as a consumer pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As well as the violation of 15 U.S. Code 1666b.Timing of payments.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXXDate of inquiry XX/XX/2019
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

By mistake, I made an online purchase on a site that I suspect belongs to thieves. I paid by paypal in the name of XXXX PAYPAL XXXX. 
XXXX ID : XXXX XX/XX/2022 Invoice number : XXXX. I would like you to help me recover my money from Paypal because PayPal has not yet transferred this money to these thieves. 

Total amount of this transaction : {$44.00}
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/2019
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MN)

I inadvertantly made an overlimit charge on my XXXX XXXX card, credit card for repairs that exceeded my original knowedge of cost. I did need repairs. I didn't realize until an e-mail yesterday from XXXX XXXX card. I have been trying to contact them by website ( ID and password no longer working ) and phone, at least 5 times if not more starting yesterday. The autosystem goes on asking questions, but when I get to the point of asking for a credit limit increase, so I can pay over 6 months as their plan is, the auto service says they are closed, everytime, please call back when we are open. I have called between XXXX CST and XXXX CST. Their website indicates they are open at XXXX XXXX EST. 
I need help contacting them. I am willing and able to pay many times over, but prefer their e-mailed suggestion of higher credit limit. I have cards up to {$10000.00} limit, so this should be no problem to get an increase. Please help asap. PS I am still figuring out my new I phones voice mail so e-mail works best : XXXX. The XXXX XXXX is " handled '' by Citibank. 

I even tried calling the dealership to get a different phone number today, but was given a voice mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (CA)

This is my 7th Complaint informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following disputed items completely from my Credit Report : XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/2021 I was told by a phone agent that if I upgraded my account to HSBC premier Checking I would receive a bonus of {$400.00} as long as I made {$5000.00} worth of direct deposits every month for 6 months. I did so. I called to confirm this with an agent at least once since that time and asked them to confirm the terms of the offer which they said were notated to the account. 

After meeting the requirements I was told on XXXX that no such offer was ever made. And that no bonus would applied. I requested the bonus from HSBC but none ever came now the company had changed names and I fear I will never get the promised bonus!
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX Date Updated : XXXX/2018
Consumer complaint received 2021-12-01
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results. I was locked up in federal prison from XXXX to XXXX and I would like to have those fraudulent items removed from my credit report being that it is documented that I XXXX XXXX was XXXX.I would like for auto loans and retail card information to be removed from credit report also being that it is fraudulent.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

Total Claim Amount {$43000.00} USD XX/XX/XXXX {$96.00} XX/XX/XXXX {$8000.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$19000.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$400.00} The above transaction happened between Coinbase and XXXX. After I purchased Cryptocurrency on Coinbase, I initiated a transfer to a trading platform called XXXX. XXXX turned out to be a scam exchange platform. It is in my understanding that Coinbase verifies every platform where they agree to transfer funds to. But apparently they don't because they denied all responsibilities in the scam activity after I have sent them a complaint letter ( XX/XX/XXXX ) from which I never heard back.XXXX