davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Coinbase, Inc. (CO)

I am complaining today about the Coinbase Debit Card. On XX/XX/19 I had a charge declined for my gym ( " XXXX XXXX XXXX XXXX XXXX '' which is XXXX XXXX XXXX ). The charge was declined and my card was temporarily suspended due to suspicious activity. I have tried to get the card reinstated with various telephone calls and emails. All my cases are closed and I am told that that they will not reopen my card. 

In their last email to me they said " We acknowledge that you may be wondering why your card was blocked or which transaction violated the agreement, but we are unable to provide any information due to security concerns. '' However, under their terms and conditions, outlined below, they should tell me why this happened. 

Found under Section 1.18.7. 

" If Card Transactions, your Card use and/or any or all Coinbase Services are restricted, suspended or terminated in this way, we will ( unless it would be unlawful for us to do so ), provide you with notice of our actions and the reasons for refusal, restriction, suspension, or termination where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or termination. '' I did not violate any of their agreements. The XXXX charge seems to have triggered something to cause my account to be blocked. I would very much appreciate my card being reactivated and am only appealing to the CFPB as a last resort after exhausting all other options. Thank you for your help.
Consumer complaint received 2022-09-11
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. (PA)

In accordance with the Fair Credit Reporting act 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 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate. 
FRAUDULENT ACCOUNTS XXXX XXXX XXXX ( Original creditor : XX/XX/XXXX
Consumer complaint received 2021-07-07
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. (FL)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX XXXX : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : XXXX U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 
Additionally, FTC Advisory Opinion to XXXX XXXX XXXX ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Consumer complaint received 2022-02-05
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. (MS)

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, XXXX, and Experian in violation of Federal Law. XXXX, XXXX, and Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (LA)

i had an account at venmo & they said i needed to give them my social security number. i refused & closed my account. they keep emailing me junk ; i've asked them to stop several times & they've said they've fixed the problem. i've filled complaints with you & others. they've responded, fully admitting they have made errors, but have fixed them. in fact, you recently closed my complaint with venmo after they responded as such & again, said they've fixed the problem. well, guess what? they have not & they continue to email me. this is seriously troubling for such a large financial services firm with millions of customers & massive amounts of peoples ' most sensitive financial and personal information. think about it. if they can't fix a simple problem like this, how rotten must their systems be. i would not be surprised if this loser company had a massive, massive data breach and or other significant problems. please investigate this matter. they obviously can not or will not fix this simple problem. thanks
Consumer complaint received 2020-10-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Credit Management Corporation (MA)

In XXXX of XXXX, my wife and I purchased XXXX XXXX of XXXX XXXX XXXX, XXXX, MA. Shortly thereafter, the housing market collapsed, which since lead on to Financial Crisis / Recession of XXXX. We had to vacate the property in early XXXX via foreclosure and the cash for keys program. In late XXXX, we were notified that XXXX XXXX XXXX XXXX was seeking over {$50000.00} for the secondary loan. After research on our part, it was noted that they were considered one of the largest and most notorious predatory lenders of the time.
Consumer complaint received 2020-10-06
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: ENOVA INTERNATIONAL, INC. (AL)

RE : Net Credit/NC Financial XXXX I am a victim of identity theft. The thief opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent account identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Enclosed with this request is the following documentation, as applicable : 1. Proof of my identity : A copy of my drivers license, another government-issued identification card and 2. Proof of my claim of identity theft : o A copy of the police report about my identity theft ; and o A completed and signed FTC Identity Theft Report or alternative affidavit of fact.

Please provide all records relating to the fraudulent account including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at XXXX XXXX XXXX XXXX XXXX, Al XXXX. 

If you have any questions concerning this request, please contact me at the above address or at XXXX Sincerely, XXXX XXXX Enclosures : Identity Theft Police Report Proof of identity : Fair Credit Reporting Act Section 609 ( e ) [ PDF ] A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft
Consumer complaint received 2022-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio Recovery keeps calling me to collect debt without telling me what debt I owe. I have run credit reports to check on my end what the debt could possibly be and there is nothing that is outstanding. My credit score is above XXXX so I don't know why they keep calling and harassing me. They call me at least once a day. It's infuriating.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (KS)

In XXXX Discover Card called me about an overdue balance to a card I never applied for. The account was closed, I talked to the fraud department, and was then informed that the statements were being emailed to XXXX XXXX XXXX XXXX. I told the fraud department I would get back with them so I could look into this matter. She admitted that she had applied for the Discover Card in my name but without my knowledge. I called the fraud department back and told them at that time I did not want to charge her with fraud due to her being XXXX XXXX XXXX XXXX. The balance was {$6000.00}.? and I paid around {$4000.00} to make the balance to be {$2400.00}. Thinking the account was closed, I set up payment arrangements to pay on the remaining {$2400.00}, not realizing that the statements were still being emailed to XXXX XXXX XXXX XXXX. I received another call from Discover Card several months later stating I owe them around {$10000.00} now. Discover Card re-instated the card, without my knowledge, allowing her to keep committing fraud against me. I have been paying on this account for XXXX  years now, and arguing with Discover Card about this fraudulent activity and their mistake of re-instating this card without my knowledge. A letter was sent from my lawyer to Discover Card and still have not heard back from company regarding this letter. My lawyer said I should contact you.
Consumer complaint received 2022-09-12
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. (FL)

On my Transunion credit report it is saying that the balance on my XXXX by XXXX XXXX credit card is XXXX $ and this is false. The balance is XXXX dollars. When the account closed on XX/XX/2022 the balance was XXXX dollars and the balance is still XXXX dollars. 
Kindly update account balance on my XXXX by XXXX XXXX credit card to XXXX dollars owed
Consumer complaint received 2022-06-17
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. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX 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 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

On XX/XX/2020, I pulled my credit reports to find a collection from BULLCITY FINANCIAL SOLUTIONS, in which I did not recognize, claiming that I owed a debt for a utility bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor could not confirm that my information matched the information they had on file for the supposed debt. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts as I have not had an active account with them in over 10 years. With this information I sent out a debt validation request certified ( attached documents ), requesting debt validation documents be mailed to me within 30 days of receiving the debt validation request. This company never responded. I then attempted to contact the  company directly via phone instead but was not able to get in touch with a representative. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX  deleted the account after conducting its investigation. However XXXX  and XXXX  stated the account had been verified. I requested a method of verification used by XXXX  and XXXX  to validate this debt, they failed to respond and only issued another investigation, that came back as verified and updated per previous investigation results. They didnt even attempt to reach out to the collection agency with the new found information. I then bought a service called XXXX, that accurately pulls all 3 credit reports and compare the information. The comparisons were inconsistent being the collection agency was reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it can not be validated as mine. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I feel as if this company is taking advantage of me and is trying to force me to pay a debt that does not belong to me.
Consumer complaint received 2020-10-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

We went through the preliminary modification process and paid three payments on time and they said the mortgage was modified. 

We have signed and returned 4 modification packages but they will not return our calls. 

We reached out the a 3rd party housing counselor to help. However the Lender will not return their call as well
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (GA)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ADVANCED COLLECTION BU XXXX Dear whom they may concern, Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a  debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

My credit reports list monies owed to XXXX. I have written to the collection agency, XXXX XXXX XXXX requesting proof that I owe monies on this account, but none was ever sent. I notified the credit agencies that this creditor never sent me the required proof, yet they continue to list this account on my credit report. 

My credit reports list XXXX XXXX XXXX and XXXX for monies owed to XXXX. I submitted documentation that showed that the original creditor was paid However, the credit reporting agencies continue to list XXXX XXXX on my credit report. Furthermore, two separate collection agencies can not be listed on my creditreport over the same account. 

My credit reports list a bankruptcy that should have been deleted since the 7 years of reporting it has expired.
Consumer complaint received 2019-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America has failed to send payment to me after checks they sent me were returned to them or XXXX XXXX or XXXX Bank. These checks were returned by XXXX as I no longer lived at the address where they sent them. XXXX XXXX XXXX calls and tells me that Bank of America will reimburse me {$360000.00} yet I have received nothing : FACT : XXXX XXXX XXXX XXXX XXXX calls ( XX/XX/XXXX XXXX tell me I will be receiving checks for {$360000.00}. B of A calls and tells me same. Due to loan servicing errors and equity I will be receiving check/checks from RUST soon. We know that as many as XXXX people are in the same position as me. LOST CHECKS, RETURNED as UNDELIVERABLE Sent to wrong person. Most of them were found and paid. 

FOIA Paragraph from Letter of XX/XX/XXXX from XXXX XXXX XXXX FOIA request through my letter to head of XXXX XXXX XXXX XX/XX/XXXX. 

" The OCCs enforcement action that led to your payment originated from examinations conducted in the fourth quarter of XXXX and is described in the report available at http : XXXX. The consent orders involving your specific servicer are also available online at http : //www.occ.gov/independentforeclosurereview '' XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX of XXXX XXXX and XXXX of XXXX XXXX XXXX