davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC. (NC)

XXXX XXXX from Douglas, Knights & Associates sent me a letter on XX/XX/XXXX informing me of a claim for XXXX that they were trying to collect for XXXX involving an accident on XX/XX/XXXX that I wasn't involved in, on a vehicle not insured by me or registered to me. 

In addition, On XX/XX/XXXX, XXXX sent an email to my ex-husband and attached a suspension notice that she filed with the DMV to have my license suspended. He forwarded me the email but not the notice. 

On XX/XX/XXXX, I called XXXX XXXX to get a better understanding of the claim and she proceeded to yell at me saying she hated people like me who shirked their responsibility and didn't pay their debts. She said they were a law office and that they would have my driver 's license suspended if I didn't pay. I said I only wanted to get information and she said if I wanted information I should hire a lawyer. I asked to speak with her supervisor and she hung up on me. 

She continued to forward our correspondence to my ex-husband who also cooperated by threatening me to get me to pay this claim. On XX/XX/XXXX I sent XXXX a letter telling her to stop contacting me until she had proof that I was responsible for the debt. 

On XX/XX/XXXX, My ex-husband informed me I would be receiving an email from XXXX telling me my license would be suspended and he attached an email from XXXX with a letter from her to the DMV requesting that my license be suspended. I received the same email from XXXX and asked her why she was forwarding our correspondence to my ex-husband. She said I should have my attorney contact her. I told her I wasn't retaining an attorney and wanted to know why she was sharing our communication with my ex-husband, no reply. 

The letter sent to DMV misrepresented the claim and said that I was driving an uninsured vehicle. Again, I was not driving the vehicle and wasn't anywhere near the accident at the time it occurred. I asked them to please correct that statement with the DMV and they didn't respond.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently check my credit reports and seen I had over 230 inquiries. There's no way I obtained all these inquiries and some of the dates, addresses, and places of inquiries don't even add up. I've requested to have these removed immediately from the bureaus due to possible fraud and nothing has been done. XX/XX/XXXX was the only credit bureau to actually look into this. I want these off my credit NOW!!! I know my rights when it comes to fraudulent activity.
Consumer complaint received 2022-10-03
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. (MN)

Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-02-01
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. (WA)

I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-07-15
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. (FL)

Dear CFPB, on XX/XX/XXXX, I bought the following items ( listed below ) under Order # XXXX from XXXX paying {$370.00} thru XXXX XXXX Citi Master Card, and returned them all on XX/XX/XXXX, due to many reasons like defective items and different stuff delivered ( one box had 3 packs of XXXX sparkling water instead of what I had originally ordered ) so I decided to send them all back : XXXX - XXXX XXXX Spotlight Cam 3 Pack ; XXXX - XXXX XXXX XXXX ; XXXX - Adjustable In/Outdoor Metal Wall Mount 3 Pack XXXX XXXX - XXXX XXXX Wired Video Doorbell. 

Since then, I have been dealing with Citi Cards and XXXX, fighting for my refunds which have been in and out, back and forth with disputes, phone calls, and e-mails to request their refund all in vain so far. 

On XX/XX/XXXX, XXXX finally sent me an e-mail stating they had deposited a final refund of {$230.00} on my XXXX Citi Master Card account but unfortunately until this date ( XX/XX/XXXX ) Citi Cards has not given me any response/reply to that. 

Therefore, I beg XXXX a sincere help to represent me in order to get what's mine back to where it belongs, my banking account. 

Thank you for your attention in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2022-12-27
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-10
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: Experian Information Solutions Inc. (WA)

I have been disputing the same items off my credit report for the past year almost every single month and Experian refuses to verify and validate the information on my credit report. I have submitted disputes XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputing the same inaccurate items off my credit report. I have demanded a reinvestigation into all these items and Experian refuses to do such coming back and saying that the items are " verified ''. Well how are they verified? when XXXX XXXX, XXXX XXXX, XXXX, and other third party agencies are frozen so how did Experian verify this info when they have refused to supply me with the evidence proving this as they are supposed to do per the law? A blanketed statement that can be typed up by anyone is not proof of verification or validation. As they are supposed to supply me with the original form of indebture bearing my written signature which they have not done so. Credit reporting agencies are also supposed to verify info with the original creditor and not inaccurate 3rd party agencies which Experian refuses to do so.
Consumer complaint received 2022-08-20
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. (AL)

n accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-11-07
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. (GA)

im filing this complaint because im having a problem out of experian, i called their special services about XXXX accounts on my credit report, rep name XXXX had explain that mr XXXX on these accounts your full name is not being shown, these companies have to show that you are XXXX XXXX XXXX XXXX these accounts need to show your full name, if these accounts can not show your full name then they will be deleted, these accounts need to be deleted because i am a XXXX the mix department explain that none of these accounts can prove im a XXXX i want these accounts taken off my credit report, because my dad is a senior im a XXXX, the rep from experian did explain also that if each ax count cant prove these accounts show XXXX on the the full name they will be deleted off my report, i want to dispute discover credit card because the did return every effort to keep this on my credit report please remove these accounts that can not prove that these accounts belong to me because they can not prove the last suffix of my name which is XXXX XXXX XXXX XXXX, experian has ask me and to prove in the past that im a XXXX, the mix department said the same thing that my name needs to show my full name for each account as being XXXX XXXX XXXX XXXX, that if these accounts come back with something they didnt have the first time this shows that there desperately wanting to use my information, please take these accounts off, i was warned by special services for experian that these companies are not providing the correct information and is not showing my name is being XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-10
Product: Vehicle loan or lease — Loan
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

Since late XX/XX/XXXX, I have been working with Capital One who finances my auto loan to get my car, bought out of state from Massachusetts, registered in my home state of Colorado. After calling their customer service several times, I was given misleading information about how to obtain a lienholders agreement. A representative erroneously instructed me to send the Mass. title to them. When I called in the Fall to get the title back or mailed to the Colorado DMV, Capital One refused. After many repeated attempts to call and submission of an online complaint in my account, Capital One still refuses to comply, so I am unable to register my car , drive it, or sell it if I wanted. I've been without a car for months now, going now into XX/XX/XXXX! I urgently need help to mediate with them to send the Mass. title to me or my local DMV so I can get my car registered.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (OK)

Spoke with a card services member with contentinal finance. About a payment I had scheduled on XX/XX/XXXX using my XXXX  / checking account with XXXX XXXX XXXX XXXX. Contentinal finance told me the transaction was declined due to no funds. I contacted XXXX XXXX and was I formed I have over {$300.00} in my account and XXXX declined transactions since XXXX. I verified multiple times that there are no account restrictions on my account. I then called contentinal finance ( verve card ) back informed them about the information XXXX XXXX gave me and even verified all account information with contentinal finance i was then told different stories about my bank beinf the issue and the. Was told they are getting an error code telecheck nfts not offered. Contentinal finance then informed me telecheck was blocking my transaction from processing and advised me to contact them. I explained to contentinal finance that my bank is not declining anything as it would show on their records. Contentinal finance then told me I was late and needed to pay the late fee due to the declined transaction on their end and the interest included. They informed me nothing was wrong on their end and refused to check/take action to verify their system is intact.
Consumer complaint received 2022-05-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WA)

Coinbase XXXX  put out a press release clearly stating that while trading of XXXX would be suspended on their platform XXXX would still be available for withdraw. I have sent several emails to customer support over the last 10 days and received not one meaningful attempt to help withdraw my funds. They are hiding behind " technical issues '' and indicating operator error. After reading that countless people are having the same issues I believe it safe to say it is not the latter. I'm really curious how this not theft or fraud? Coinbase XXXX  had no problem converting my USD into XXXX and charging me exorbitant fees to do so. Now that I would like to withdraw the currency I can't and I find it suspicious to say the least. I would expect more from a company looking to go public than to hold millions, if not billions of consumer funds hostage. This is a major injustice and I'm shocked it is not front page news.
Consumer complaint received 2020-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have had automatic payments set up on my CAPITAL NE BANK USA card since I opened it. I recently started doing a mortgage loan and was informed that there are several late payments reported to the credit bureaus on this account. I have never received notification of a late payment nor am I aware of ever being late on this account. The partial account # is XXXX.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION (FL)

The date of the fees is XX/XX/25. I called the same day. the chatbot name was XXXX XXXX I called at XXXX XXXX bank charged me ACH fees and offered no additional information. I called as soon as the fees hit my account. I contacted bank but they refused to let me talk with the fraud department. They refused to let me talk to manager. They refused to let me talk to any human at all. I was denied a transcript of a conversation with chat bot or an employee. I am unsure of what was happening with a chat bot and requested a call on the number on my account. instead she wanted my personal info. I thought this may be part of the scam. I begged to talk to a person and " she '' or it kept avoiding my request. 

Vytarcu does not take sufficient measures as to fraud reporting. there should be a way to report fraud 24/7. they have a history of technological failures and have not been transparent in the past regarding their online banking system and other technologies. Please see articles in the XXXX XXXX newspaper in XXXX for reference. Short and simply put, dont trust this bank with your money. They have no idea what the word " Fiduciary '' even means.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (TN)

I sent a notarized letter to Nationwide Recovery Systems on XX/XX/2022. It was a letter requesting validation of the debt. I called XX/XX/2022 to verify the letter was received, they said it was and insisted that they would send a validation of the debts ( XXXX accounts XXXX and XXXX ). As of XX/XX/2022, there have been no validation of debt correspondence for either accounts. They knew they had 30 days to respond per the letter. They took the accounts off my credit report but I am filing a complaint due to no response from the agency and no call back or email that the debts have been cancelled.
Consumer complaint received 2022-06-27
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. (SC)

I sent letters to all 3 Credit Bureaus in XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. I have attached the copy of my report showing the accounts as well as my certified receipts of my letters requesting that the bureaus do a full " investigation '' of all of these accounts and every piece of information. 

According to the FCRA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquitted or who may have knowledge concerning any such items of information.

The Bureaus stated that these accounts are verified, which is completely false, due to the fact that not one Bureau completed a full and legally proper " investigation '' according to the law.

Every piece of information on these accounts is still not being reported 100 % accurately, and the FCRA 15 USC 1681 states that everything on a consumers report must be reported accurately. 

The credit reports are attached showing these inaccuracies. 

The bureaus have failed to follow the law and continue to allow this false and unlawful information to be reported on my consumer report. 

These accounts should all be deleted and blocked from my consumer credit report. 

ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (PA)

I'm very concerned about the pattern of conduct of your company. When I first was behind I came to your company for assistance and was struggling to pay on time. They were helpful initially then when I became a payment behind it was different Multiple calls and text messages daily. When I answered the calls the was no one there then id call in then id get a person who didn't do there job. THE FACTS : 1. I have had this loan for more than TWELVE CONSECUTIVE PAYMENTS THAT WERE ON TIME 2. I contacted your company in XXXX when I was 14 days late in need of assistance and I had the ability to pay then but had medical issues that permitted me from paying at the time and wasn't working. 3. your agency dropped the ball the VERY FIRST TIME AND DIDNT TIMELY FILE AND MISSED THE DEADLINE WHICH YOU REMEIDIED WITH AN EXTENTION the following month omg I cant believe this. 4. when I tried to get employment to pay my obligations they run a credit report since I work in finance and they see that I have a XXXX offset on my credit bureau so NOW I cant work in the industry that ive been in for over a decade and have to work in other industry that will pay less since its entry level. 5. When I was rejected one agent told me that I should file for bankruptcy chapter XXXX and I had until XX/XX/XXXX to show proof that ive been working for 30 days and the income supports viability and the reason I was rejected was that my loan was less that twelve month old which is a fabrication your company bought this loan from XXXX XXXX  who originally bought it form XXXX XXXX. Essentially sixteen consecutive payments have been paid to the lenders before a hardship occurred. 6 A ms XXXX was adamant that I could reapply but that option is NON EXSITENT due to my circumstances and IM VERY SURE SHE WAS AWARE OF THAT since she was so disrespectful and condescending on the phone. Your letter said the ninth it needs to be provided by the ninth. My Circumstances have changed IM WORKING AND I CAN MAKE ENOUGH INCOME TO PAY MY MORTGAGE AND IM GOING TO BE AWARDED XXXX shortly. YOU HAVENT CALLED ME IN A WEEK AND ITS ONLY AFTER I TOLD HER THAT YOU CALLED SO MANY TIMES A DAY SHE sarcastically said we can remove you from the call list even when I asked prior. I will submit this to the BBB FTC CFPB ETC CAUSE YOUR PROCESS IS PREADETORY I believe your company intentionally slow balled this playing the waiting game in the guise of help but called savagely and misinformed to blatantly corrupt the process cause I'm sorta a smart guy but you sophisticated this process in a way to only a legal expert would really know what you're actually saying as a company.