davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-23
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. (MA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT ED / XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX* DPT ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (NY)

I receive my ssdi XXXX benefits on a government card issued by Direct xpress on behalf of social security. On XX/XX/XXXX i noticed my account was low and called direct xpress. The sum of approximately XXXX dollars and some cents was charged on XX/XX/2022 in texas. I did not authorize this charge and was never in texas. I immediately filed a fraud complaint number XXXX with direct xpress/comericabank. It took me a wait time of 2 hours on hold to get in contact with them. They were supposed to send me a fraud complaint form and xpress a new card. I have called direct xpress countless times and been on hold for hours to try to resolve this issue. 
As of the writing of this report i havent received anything. No card and no form I also asked for a provisional credit. No new card. No credit. I am broke with no food or money for meds.
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (CO)

I have just been contacted by a company Asset Care a debt collector. They state I owe debt from a procedure done in XXXX of XXXX This is the 1st time I have heard of this debt being owed. 
I attempted to gain more information but was told it was mailed and would contain the original medical provider information. I have no itemized statement from them only their letter claiming the amount owed. 
This was instantly placed on my credit report. 
Several XXXX  complaints are filed with this company. 
I can only find information from paid off debts, no claim in insurance matches
Consumer complaint received 2022-08-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I transfered cash and crypto assets from Coinbase XXXX to Coinbase. I then began to purchase coins. I have {$3500.00} that is showing as USD, but is actually in a filled ETH transaction. The {$3500.00} is not showing in my ETH balance and is not accessible. Coinbase has stolen {$3500.00} from me and cost me missed gains.
Consumer complaint received 2022-08-12
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. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C 1681s-2  ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am submitting this complaint due to Capital One charging me for an unauthorized charge on my card and not refunding my money. 

In XXXX, 2020 I had used a translating service " The XXXX XXXX '' to translate two doucments for the agreed upon price of {$49.00} as the attached emails I have uploaded will clearly show. The lady who I was corresponding with ( XXXX XXXX ) knew that I had two degrees that i needed translated as the attached emails will show. However i received an email a few days later saying that I would have to pay another {$57.00} to have both degrees " Credential Evaluation Translated '' even though I had already told XXXX before I paid anything that i needed two degrees translated .Furthermore the XXXX XXXX told me that if I want to move forward with paying the extra {$57.00} that I have to respond back with the last 4 digits of my card number and I never did that. I sent a reply back saying that I would need them " Credential Evaluation Translated '' but asked them " shouldnt the credential evaluation academic equivalence been in the quoted price? '' not authorizing them to charge my card another {$57.00} that I never agreed to, however they moved forward and charged me anyways. All these emails can be seen from the files i have uploaded. 

I contacted The XXXX XXXX the following day to ask them why they charged me another {$57.00} when I did not authorize it. The lady i talked to on the phone said that she would have the billing deparmtment contact me which they never did. I disputed the charge on my credit card ( Capital One ) and they gave me a " provisional credit '' but later added the charge back to my card. So i faxed them over all the emails i had to prove i never authorized the {$57.00} but they responded back as " the case is closed ''. 


The extra chagred occurred on : XX/XX/2020 for {$57.00} The provisional credit was added on : XX/XX/2020 for {$57.00} The {$57.00} ( Purchase Adjsutment ) was added back on my card : XX/XX/2020 I faxed over all the evidence on XX/XX/2020. 

I received a " case closed '' letter that night on XX/XX/2020.
Consumer complaint received 2020-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-12-12
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: World Acceptance Corporation (TN)

XXXX  n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account is resolved with XXXX XXXX and is no longer in collections. It is still reflecting in collection status on report. The account is no longer a active collection account and needs to reflect correctly
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NY)

On the discover mobile XXXX app you need to click into a payment date when you go to make a payment. That section of the app hasnt been clickable since at least XX/XX/2022. You click it and it doesnt open to allow you to make a selection. I have submitted feedback through the app several times and called discover to ask about it. I got routed to several people, I believe 3 or 4, and was told by one that they were aware of the issue and just hadnt been able to resolve it yet. I told them it seems like a way to get people to avoid making payments so that they can charge higher interest and late fees. Everyone I know, especially around my age ( mid XXXX ) pays their bills via mobile apps. It has been messed up for 6 months and apparently people are aware of the problem. Their app is fully functional everywhere else.
Consumer complaint received 2020-11-20
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: Resurgent Capital Services L.P. (TX)

On XX/XX/2019, LVNV Funding LLC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, LVNV Funding LLC has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Consumer complaint received 2022-11-19
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. (GA)

TRANSUNION is currently reporting that I have : 1. 2 Late payments when I don't 2. 1 collection account, when I have no accounts in collection This information is wrong and needs to be updated.
Consumer complaint received 2021-08-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Federal Cash Advance, LLC of Oklahoma (TX)

I got a payday loan from Cash Max in XXXX, TX and I am a few days late on my payment. The lady XXXX, working theres has called my job, my, friends, and my cell phone over 30 times in the last week alone. The loan is only 5 days past due. I have asked her to stop calling me repeatedly, and she is still calling multiple times a day. Shes calling on different telephone numbers, and even from no caller ID. This is harassment and it is getting out of hand. Please help.
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

.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 XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 As a consumer by law, this account must be deleted immediately XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX FDCPA Section XXXX Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. FDCPA XXXX XXXX Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2020-10-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to TransUnion seeking proof of this debt : Transunion XX/XX/2020, XX/XX/2020 and XX/XX/2020. Transunion continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$3000.00} )
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: Experian Information Solutions Inc. (MA)

I have a complaint against Experian regarding a item I have disputed on my credit report numerous times..My most recent dispute was received with the results from Experian on XX/XX/2020 ..Account XXXX from Child Support Enforcement Status Remains Unchanged and Information received Certified.The account is listed as Negative /Derogatory. I spoke to New York State Child Support Enforcement and they said this account was not reported to the credit bureaus because I never had a balance or a past due amount..the account was transferred from another state South Dakota thru interagency communications to New York by error and then almost within a month transferred back to South Dakota from New York per their request..then the account was closed with XXXX balance in New York..New York State sent me a statement showing XXXX original balance and no balance due or late..I submitted this information to Experian but they keep reporting on my Disputes that the State of New York is verifying it was a ChargeOff /Collection and Derogatory.
Consumer complaint received 2022-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (KY)

I was incarcerated XX/XX/XXXX and released XXXX XXXX. After my release I recovered my account that I originally has my my {$600.00} and {$1400.00} IRS payment deposited to with Current Mobile Banking prior to my incarceration. After recovering my card account info I discovered that I only had {$94.00} left in my account but I should have had a total of {$2000.00} in my account from my stimulus payments. I then discovered that there were 4 merchants that had unauthorized transaction made to my account and 1 of the merchants had multiple unauthorized transaction. The other merchants that had unauthorized transactions only had XXXX transaction from each merchant and those merchant refunded my account up to 2 days later after the unauthorized charge. The last merchant with multiple charges did not refund. I contact current mobile and sent in evidence showing them that I did not have access to my account due to me being incarcerated from XXXX XXXX to XX/XX/XXXX. They did and investigation and sent me a email stating they did not find an error. I did not understand the outcome and why I didnt receive my credit back when I showed evidence that I did not and could not use my account because I was Incarcerated at the time that the transaction were made. So I contacted Current Mobile banking with more evidence to prove my case. They sent me an email stating because it had been more then 120 days since the transaction were made that they no longer had refund transaction rights to that merchant and basically that I wasnt getting my money back that was unauthorized to use. I feel that I have a right to receive my money back that was unauthorized to use. I did further investigating my self and called one of the unauthorized merchant to figure out if I could find any info on who could have stolen my card account info. The merchant owner proceeds to tell me that some one had committed fraud and stole a variety of different debit card numbers and charged those card numbers to there company and that there financial group caught it and were able to refund the money back to the victims of the scam that happend and that I was one of the victims that it happend to. I sent the email over to current support group to show them that it was someone who hacked my account t info while I was Incarcerated and that thats what I believe happend to the other unauthorized transactions and that 3 out of the 4 refunded the unauthorized transactions except the one merchant who had multiple unauthorized transactions and I have not heard back from current since. I feel that current should reimburse me my money that was not authorized to use.
Consumer complaint received 2022-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2022, I sent a letter of rescission along with my affidavit of truth, cease & desist, bill of particulars and power of attorney revocation to President XXXX XXXX of CAPITAL ONE AUTO FINANCE located at XXXX XXXX XXXX, XXXX, TX XXXX. I purchased my vehicle from XXXX XXXX XXXX in XXXX XXXX, LA on XX/XX/2022 and there was nothing in my contract stating the right to rescind. According to 12 CFR Part 1026.23 Right of rescission, within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction. Because 15 U.S.C. 1635, and Regulation Z, 12 C.F.R. 1026.23 were clearly violated I would like to file a complaint because Capital One Auto Finance did zero out my balance, provide my car title in my name and taking their name off, make all credit reports state paid and full as agreed, and did not return my down payment within the 20 calendar days.
Consumer complaint received 2022-08-15
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. (CA)

I have been reviewing my Credit Report and noticed that the Credit Bureaus continued reporting the unauthorized inquiries without sending me any proof of verification. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, TransUnion is required by the FCRA to follow up with the creditor. I need the following inquiries deleted completely from my Credit report as soon as possible! 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-11-20
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. (TN)

XXXX should not be reporting to XXXX  and Transunion an outstanding balance in the amount of {$5300.00} as well as reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of the letter from XXXX dated XX/XX/2018 showing this account has been paid in full. I have also attached as additional proof that this account is paid in full, a copy of my title to the vehicle. This false reporting of a balance due and lates is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-11
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: HYUNDAI CAPITAL AMERICA (CA)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX Open Date XXXX XXXX, 2018 Balance : {$6700.00}