davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AZ)

I RENTED XXXX XXXX MONTHS LEASE PAID ALMOST {$2000.00} UP FRONT FOR A {$1000.00} PER MONTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I PAID ALL FEES WITH RENT WHICH INCLUDED RENTERS INS, SEWER, TRASH, WATER AND HANDLING FEES. EVERY MONTH ALL ON TIME NO LATE FEES. AND GAVE NOTICE BY MAIL ON XXXX  STATE AUTHORIZED XXXX AND MAILABLE FORMS OF MY INTENTION TO VACATE AT THE END OF THE LEASE XXXX XXXX. MAILED CHECKS ON TIME.. MAILED KEYS BY CERTIFIED MAIL WITH RECEIPT IN XXXX BEFORE THE END OF THE LEASE. I HAVE ALL THE PAPER WORK AND THE CERTIFIED RETURN MAIL IN MY FILES TO PROVE THIS. BECAUSE OF ILLNESS AND FROM XXXX XXXX. I HAVE THE RETURN RECEIPT TO PROVE THIS. LATER INTO THE LEASE THE XXXX TOLD ME ON SIX MONTH LEASES THEY DO NOT GIVE BACK MY DEPOSIT ON SHORT TERM LEASES. I HAD A {$500.00} DEPOSIT. AFTER 6 WEEKS LATER THEY SENT ME A BUNCH OF EMAILS THINKING I HAVE NOT MOVED OUT YET. I RESPONDED IMMEDIATLEY TELLING THEM I HAVE THE CERTIFIED RECEIPT THAT THEY RECEIVED MY KEYS. THEY THEN SENT ME AN ERRONEOUS BILL THAT I IMMEDIATELY DISPUTED. THE UNIT WAS NEVER SLEPT IN. WE RENTED THE UNIT BUT WE NEVER SLEPT THERE BECAUSE I GOT XXXX XXXX  FROM THE XXXX XXXX. WE WENT BACK TO XXXX AND I NEVER RECOVERED ENOUGH TO TRAVEL.. WE PAID THE RENT ONLY BECAUSE WE SIGNED THAT WE WOULD ON THE CONTRACT. THEY ARE A XXXX OUTFIT. FROM THEIR DEMEANOR WAY UP FRONT. LIKE FOR INSTANCE YOU HAVE TO GIVE US 60 DAYS NOTICE TO VACATE WHEN THE XXXX STATUTES SAY 30 DAYS. I GAVE THEM THEIR LOUSY XXXX  DAYS NOTICE IN XX/XX/XXXX AND THE LEASE IS OVER XX/XX/XXXX. THEY NOW HAVE BOGUS CHARGES FOR ALL KINDS OF STUFF. INCLUDING 2CLEANING FEES. IF THEY WANT TO CHARGE A CLEANING FEE THEY NEED TO COLLECT THAT UP FRONT LIKE I DO IN XXXX WITH MY XXXX. YES I HAVE XXXX  IN XXXX  XXXX. THEY CHARGED $ XXXX AND $ XXXXCLEANING FEE  AND LIKE I SAID WE XXXX HAD TIME TO COME BACK TO THE UNIT TO PARTY IN XXXX XXXX  BECAUSE I GOT SICK WITH XXXX  FROM XXXXXXXX XXXX WE ABSOLUTELY DISPUTE THIS BILL AND WE WANT OUR {$500.00} DEPOSIT SENT BACK TO US MINUS ANY SEWER, RENTERS INS, WATER BILL, TRASH BILL CHARGES. THEY WERE SENT THIS MANY TIMES BY EMAIL AND CERTIFIED MAIL. LOOK WE ARE XXXX AND XXXX XXXX OLD WITH A XXXX SCORE OF XXXX .. WE HAVE VIRTUALLY NO DEBTS. WE PAY OUR BILLS OF WHICH WE HAVE NO CREDIT CARD DEBT. ONLY A SMALL HOUSE PAYMENT TO A XXXX XXXX  FOR {$270.00} A MONTH ON A HOME THAT IS IN A XXXX XXXX. GOOD LUCK TRYING TO COLLECT OR DAMAGE US. THE BIGGEST THING IS I WANT TO SUE AND STRAIGHTEN THESE XXXX  OUT FOR GIVING ME A HARD TIME. THEY ARE PURPOSELY DOING THIS TO MANY OF THEIR EX RENTERS. THEY HAVE ABSOLUTELY NO RESPECT FOR THEIR CLIENTS. THEY DIDN'T SUE ME AND MY WIFE. MY WIFE GOT TH3 I Q DATA INTL INC IN THE MAIL STATING SHE XXXX XXXX XXXX XXXX DATED XX/XX/XXXX REF XXXX WE TOTALLY DISPUTE THESE CHARGES AND WANT OUR DEPOSIT BACK PRONTO. 
XXXX XXXX XXXX  I TOTALLY DIS PUTE THE ERRONEOUS CHARGES AND DEMAND MY DEPOSIT TO BE RETURNED SIGNED XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-09-23
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. (VA)

This item from XXXX XXXX should have been deleted from my credit report. I paid for a pay for deletion and the item is still on the report. This item is also over XXXX XXXX XXXX. 

This is in violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX XXXX, DOB- XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A secured loan opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the the account number XXXX, A charge card opened at XXXXXXXX on XX/XX/XXXX under the account number XXXX, A secured loan opened at XXXX on XX/XX/XXXX under the account number XXXX, A charge card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A debt buyer opened at XXXX XXXX XXXX opened XXXX XX/XX/XXXX under the Account number XXXX, A debt buyer opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account number XXXX, An installment opened at XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX under the Account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (GA)

I received an email from the Coinbase KYC team on XXXX XXXX requesting due diligence information and threatening to close my account if I did not reply. I contacted their Support team on the XXXX, and asked if the KYC request was a valid request from Coinbase. They confirmed the request, and I followed up with the KYC team, provided my w2 and answers to their questionnaire. They followed up the next day and asked me for the exact same information in an email that was formatted slightly differently. I replied and said they had already received my information and asked why they were sending this a second time. They did not answer that question. 

They then sent me a third request with the exact same questions on XXXX XXXX. It was as if they read my attachment and completely ignored the responses I submitted. Frustrated with their email and concerned that I would lose access to my account, I asked to be put in touch with a manager by XXXX, the XXXX, and informed them that if I did not have a reply by Friday afternoon, I would proceed with a complaint to the CFPB. The KYC team 's reply was some copy and pasted response about regulation and security and did not address my request to be contacted by a Compliance Manager.

I reiterated my request to be put in touch with a manager by XXXXXXXX. It is now XXXX, and I have not been contacted by anyone other than the KYC team. 

Considering that I have been threatened with the closure of my account I find it highly inappropriate that no attempt was made by Coinbase to escalate my complaint or even address my issue.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX up until the Covid 19 COVID-19 national emergency ends. XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX reporting a late payment to my credit report however, I had follow all steps of making a valid payment arrangement via the CARES ACT with this company during the con reed periods however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. 

Late and missed payments CAN NOT be reported if you have already made arrangements. 

XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

So I sent a letter off XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institutions are supposed to share my information to 3rd party people.

These are clear violations of my federal protected consumer rights.
Consumer complaint received 2022-09-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (KY)

I took a loan of XXXX dollars from XXXX to buy an item, and when I slipped on the payment, I called them and discussed ways to pay them off, and was making those payments, but they kept jacking up the interest so much I wasn't making a dent, on XXXX any less which is insane. So one day I go to make my payment and it's no longer listed on XXXX. I thought that maybe it was gone for good or they dismissed it due to the amount of interest they collected from me. I was literally unable to make a payment at this time due to them removing it from their site. Years later I get a letter saying that I owe {$500.00} dollars. So I call them, and I'm on the phone with this rude woman, and they're threatening to harm my credit if I don't pay them off. So it goes from {$300.00} to {$500.00} and I was powerless to make a payment due to their tactics. I make my payments, and I have excellent credit, but they literally made it impossible for me to pay them and then jacked up almost double the amount of interest on me. This isn't fair at all! Now the company is calling itself LVNV FUNDING LLC.
Consumer complaint received 2023-05-05
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. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings (GA)

To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/year> ) Case Number : XXXX ( Dismissed on XX/XX/year> ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within XXXX hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Re : Dispute of Credit Report Information, Request for Documentation, and Notice of Potential Legal Action Account Name : XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the accuracy of the information on my credit report related to the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that you verify the information provided from your investigation is accurate and 100 % true. If you can not provide the mandatory documentation to support this, I request that you delete the account from my credit report immediately.

Specifically, I have identified the following inaccuracies on my credit report : 1. Date Opened Inaccuracy : The account information states that the date opened is XX/XX/XXXX. However, there is no payment history that reflects this information.

2. Date of Obsolescence Inaccuracy : The date of obsolescence for this account is listed as XX/XX/XXXX. However, my payment history indicates that the first date of delinquency is XX/XX/XXXX. 
Both of these discrepancies are violations of the FCRA, as they present inaccurate and incomplete information. I request that you provide the documentation that verifies the accuracy of these dates, including but not limited to : The original date the account was opened.

The complete payment history that aligns with the stated date opened.

The documentation that confirms the first date of delinquency and the correct date of obsolescence.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I recently received a copy of my credit report and noticed I had some fraudulent accounts on my credit report. Please remove these fraudulent accounts from my credit report. These fraudulent accounts are hurting my credit score and preventing my ability to buy a home.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX I received an email that Citibank lowered my limit on my XXXX credit card from {$5500.00} to {$3300.00}. I rarely use the card and most often remains at a {$0.00} balance, but had just recently made some purchases, of which is being paid off within the next 30 days anyhow, however, the limit they lowered it to was barely over the new current balance. The statement period then ended a few days later ( statement period ended XX/XX/XXXX ) and a small interest charge then applied, but my balance was still below the new reduced limit of {$3300.00} ( with the new interest charges, the balance was {$3300.00} ). Aside from the fact the lowering of the limit then lowered my score by XXXX points ( lets note how absolutely counter productive that is to lower a limit due to a random score review simply because a card is used, to which then only causes the score to lower more! ), I then received an alert today XX/XX/XXXX that my score was lowered even more because they were reporting my card limit as {$3300.00}, not {$3300.00}, and with the new balance as of statement end date of XX/XX/XXXX being {$3300.00} it was reporting as over my limit to which then caused my score to drop an additional XXXX points!!! So not only did lowering my limit for no true cause my score to lower, but now Citibank is inaccurately reporting my limit as even lower AND that I am over my limit!! Which is absolutely untrue!! So this is either fraud or incompetence, either way needs to immediately be corrected. This has impacted a home refinance I am currently undergoing and if it does not go through due to this, my next stop is an attorney! Note : Ive had this same card with the same limit for over 6 years, never been late, rarely carry a balance and almost always pay in full within 1-2 months max. None of this recent actions are justified.
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (NC)

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. XXXX XXXX XXXX ( XX/XX/2022 )
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the fair credit reporting act XXXX XXXX, have violated my rights as a consumer. The rights that have been violated are as follows : 15 USC 1681 sec. 602a states that I have the right to privacy 15 USC 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681 section 604a section 2 states that a credit reporting agency can not furnish an account without my written instructions my rights have been violated and I want the negative items removed NOW
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

Subject : WRITTEN INSTRUCTION UNDER 15 USC 1681b and Request for Resolution Dear CFPB, I am submitting this formal dispute against the following companies regarding their continued failure to update and correct the status of my accounts despite having received ample notice and time to do so : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I provided written instructions to these companies and the respective credit reporting agencies Experian requesting that the accounts be updated to reflect the following accurate statuses : Reported Balance : {$0.00} Account Status : Closed/Paid Remarks : Nothing to Show or Resolved Payment History : Nothing to Show or XXXX  % Paid Amount Past Due : Nothing to Show Despite my written requests and the sufficient time allowed for compliance, these updates have not been made, and my credit reports continue to reflect incorrect information. This continued inaccuracy is causing harm to my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2022-09-23
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. (VA)

This item with XXXX was paid off for deletion and it is still showing on my credit report. This item should have been deleted. 

This is in violation of the following : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Credit Corp Solutions Inc. (TN)

I have been issued a paper to go to court, in reference to monies I owe on a credit card with Credit Corp Solution. 
Docket # XXXX at XXXX XXXX XXXX, in XXXX TN The amount is XXXX
Consumer complaint received 2022-09-23
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: LEXISNEXIS (MO)

XXXX is the credit rating company that my auto/home insurance company , XXXX XXXXXXXX XXXX uses to set rates for its insured members. During an annual review from CC, the letter mentioned that our rates were higher because of the credit rating from XXXX XXXX Having just secured a loan for the purchase of a new XXXX and having secured one of the highest credit ratings the seller had ever seen, I found this news disturbing so I contacted XXXX, got a copy of their report and asked them three times to change their credit assessment. Each time, I got a form letter saying they could not " authenticate my identity '' and that the info I supplied -- addresses, copy of my driver 's license, phone numbers, credit card companies, mortgage company and bank addresses, etc. were " not legible '' even though typed and copied clearly. I gave them all the info they asked for in a two-paged typed letter, including the last four digits of my SS number, passport, copy of my driver 's license, etc. No action from them, just another form letter. In addition their report was filled with inaccuracies, omissions and blank pages and shoddy research. XXXX