davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I filed three disputes with transunion and was told they had investigated however I learned they don't investigate they just sent an email asking the reporting creditor to verify the reported information. All they require is a response saying it's correct. I have repeatedly contacted transunion and the creditor and have sent proof the information was not accurate and it was removed then put right back on. A school loan that was discharged because of XXXX and two items I have no knowledge of and have never been supplied any information by the supposed creditor. I have asked for proof several times and received nothing. Why are credit reporting agencies allowing things to be added to a report based on someone's word and not real proof collection agencies are notorious for reporting false information XXXX and XXXX, knight adjustment, and trasunion need to be investigated and corrected. 
XXXXXXXX XXXX  is a preditory agency attempting to collect debts that they know are wrong. I had a secured card from first progress that the balance was paid by the security deposit and they are reporting an unpaid balance. Student loan was discharged and transunion is showinXXXX XXXX XXXX XXXX twice even though it's obvious it's the same account and I have told them this repeatedly how can two places report the same account. Transunion should be required to investigate and get proof when disputed. They don't they just email and ask if it's correct never verifying anything
Consumer complaint received 2022-05-17
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. (TX)

FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX, TX XXXX FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Post office box XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family po box XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX  XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance XXXX Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Collection accoun
Consumer complaint received 2022-05-17
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. (IL)

I have 11 hard Inquiries that wasn't authorize by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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 instructions
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX -XXXX XXXX  ... XXXX XXXX XXXX XXXX # ... XXXX XXXX XXXX XXXX XXXX ... XXXX -US Dept of EDU #... XXXX -US Dept of EDU # XXXX -Dept of EDU/XXXX # XXXX XXXX XXXXDept of EDU/XXXX # ... XXXX XXXX XXXX XXXXXXXX XXXX Bank # ... XXXX XXXX XXXX XXXX XXXX -US Dept of EDU # ... XXXX -US Dept of EDU # ... XXXX -Dept of EDUXXXX # ... XXXX TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -US Dept of EDU # ... XXXX -Dept of EDU/XXXX XXXX ... XXXX -Dept of EDUXXXX # ... XXXX -Dept of EDU/XXXX XXXX  XXXX XXXX -Dept of EDUXXXX # 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 In addition, I have usage of less than 30 % of the following accounts total credit and XXXX is not reporting on some of my credit card accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is the amount required to keep my credit in good standing and raise my credit, and yet, these reporting companies keep deducting from my credit points unwarranted. I spoke with XXXX XXXXXXXX XXXX, for example, and they inquired for a while in their system of why this was happening with the credit reporting agencies and they advised to reach out to them, because on their end it shows that I am correct about this account. Same with the other credit cards I use. 

Moreover, I have never been known as XXXX XXXX and I don't have a middle Initial. That is incorrect.
Consumer complaint received 2022-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (AL)

As usual the crypto industry is again coming up with new ways to rob their clients. I have staked XXXX  on Coinbase ( CB ) which generates staking rewards.

CB used to have a rewards ticker where you could track your rewards- but they got rid of it on the computer version I guess because having the rewards ticker makes it harder to steal from their clients.

I have enclosed a pic of what the ticker on the computer now looks like.

CB does still have the ticker for the CB app- which is where the issue is.

Approximately four months ago my rewards ticker on my computer rolled over to XXXX I logged in the CB app and have been using that for several days now. I decided to look at my ETH rewards on the CB app. The CB app still has a ticker and it showed a vast difference of rewards calculated by the CB app vs rewards calculated that show up on the computer version.

When I emailed CB about the discrepancy I received a generic response about staking and nothing that addressed my issue.

I have attached pics of both sets of rewards- on the computer it says 0.03 The other pic is from the CB app ticker that is definitely wrong. I surpassed XXXX rewards months ago!! This is just another way for CB to rob their clients. Why else would they have gotten rid of the ticker- to do away with transparency. 

Here 's the math : I started staking in XX/XX/2021 at a rate of 6 % which has now recently dropped to 3.68 % with a balance of XXXX XXXX Yet CB shows my XXXX  rewards for the approximately one year that I have been staking as XXXX on the app 's ticker. 
I actively looked at my ticker rewards when CB was transparent about them and it has been about 4 months since they rolled over to XXXX so where are my missing rewards CB? 
The app reports one number and the computer version reports another number for staking rewards.

I expect a real answer CB, not a cut and paste response that doesn't even address the issue.

And please answer the question of why you removed the rewards ticker for computers.

CFPB - everyday all day long clients are screwed over and robbed by these exchanges. It is time for the government to regulate these exchanges and stop their constant thievery. They have enough $ $ already.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Capital One Auto Finance Account # XXXX Has failed to correct and report proper payment status and balance of this account to my detriment. XXXX XXXX XX/XX/XXXX as well as XXXX, XXXX, and XX/XX/XXXX they have failed to fully report the status and balance of this account. Omitting this information has resulted in positive payment History creditors dropping me from making any withdrawals as these omissions are reporting as unknown and presumed as missed payments. I have settled this account with Capital One and they continue to report incomplete information. After settling this account they reported this account with a new major delinquency XX/XX/XXXX to the credit bureaus after agreeing to report the account as Paid/Settled Charge Off this creditor is spiteful and unjust even after I elected to settle the account in good faith. Even now they will not report the original balance, the date closed, past due amount which should say {$0.00}, or date of last activity. I have been told by Capital One that the new reports would be correct and after disputing with the bureaus they refuse in an effort to harm my odds of homeownership or favorable credit scores they have failed to report accurate and complete information numerous times please delete this account from all bureaus.
Consumer complaint received 2022-04-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  ( Original Creditor : 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc (TX)

I believe this is for a trial membership I did at a XXXX XXXX gym near me. I signed up for the trial online, used the gym once and then told the woman at the desk it wasn't for me and that I didn't want to continue... I was informed the person I needed to talk to wasn't available at the time. She took my name and told me someone would be reaching out to me. There was no talk about a " process '' to cancel, as I was on a trial. 

I didn't hear anything from anyone, figured the situation was sorted as it was a trial, and went about my business. 

45-60 days later, someone starts calling my phone talking about this debt and late fees I had. I don't own anyone any money, I told them to leave me alone. They kept calling, and now they are having the actual location in XXXX call me and leaving me voicemails threatening they will hurt my credit if I don't call them back and sort out the " late fees ''. 

I have not been to that gym outside of the single day I went to try it. I was not interested in continuing and I told the staff that. 

Its not my fault they don't communicate well and that is usually a result of them not wanting to actually " cancel '' trial members out ... Obviously they need the conversion and additions to their XXXX. The reason people offer a trial is to see if it is something you want to continue. I didn't.
Consumer complaint received 2022-06-06
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  XXXX 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 instructions
Consumer complaint received 2022-04-30
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: AmerAssist A/R Solutions, Inc. (CA)

I have sent in proof that XXXXXXXX XXXX XXXX  by law should not have my information. I did not authorize them to take my information. I also told them that was not me. They still wont remove it. 

I have sent in proof that Amerassist Ar Solutions, was not me, told them to send me the paperwork showing my signature on paperwork, also I never authorize Amerassit AR Solutions to use my information. It is against the law. They still wont remove it. 

# XXXX XXXX XXXX and Amerassist AR Solution both have 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
Consumer complaint received 2022-04-30
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. (FL)

According to the CFPB website Trans Union violated a 2017 law enforcement order for the improper use of a credit report. I would like a clean slate on my Trans Union report excluding current active credit lines.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (TX)

Lexington law charged me a " first work fee '' of XXXX on XX/XX/22 They also took two separate fees of XXXX from my account. One withdrawal on XX/XX/22 and one on XX/XX/22 The service was not actually provided, as the " letters sent on my behalf '' were returned to me via usps as undeliverable. 
The service was canceled after searching for hours on how to actually cancel it. 
Since I signed nothing with them, they did not actually have any authority to take any money. Nor did they have any legal right to send anything on my behalf. 
They took additional money from me without authorization, and once I canceled, they refused my refund, even though they did no work for it.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-04-30
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. (GA)

In accordance with the fair reporting act name XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX  XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX  XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXXXXXX Account number XXXX, have violated my rights XXXX 

15 USC 1681 Section 602 States that 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 late for any purpose.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OR)

On numerous attempts to receive my credit report online at https : XXXX Experian notifies me that my credit report is unavailable and to mail in a request for the report. Both XXXX and XXXX provide their reports but Experian 's is not available. What gives with this denial of report? Isn't this a lawful requirement to provide online? 
Also, this isn't the first time I've filed a complaint with cfpb without receiving a reply! 
I'm guessing others are having the same complaint. 
Are you just another do-nothing government bureaucracy? 
Please respond.
Consumer complaint received 2022-04-30
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. (GA)

In accordance with the fair reporting act name XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX  XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX BANK XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXXXXXX Account number XXXX, have violated my rights XXXX 

15 USC 1681 Section 602 States that 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 late for any purpose.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-04-29
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. (NV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal, I still practicing non-faith acts. I was told it would like 90 to 120 days to refund me the funds taking out of my account. I have attached documents that show XXXX issuing the refund and as you can tell it keeps getting reversed. I would like to the bank in question to not only refund me the amount of {$300.00} within the next XXXX to XXXX busniness days. 

( E ) STANDARD MAXIMUM DEPOSIT INSURANCE AMOUNT DEFINED. -- For purposes of this Act, the term " standard maximum deposit insurance amount '' means {$250000.00}, adjusted as provided under subparagraph ( F ) after XX/XX/XXXX. Notwithstanding any other provision of law, the increase in the standard maximum deposit insurance amount to {$250000.00} shall apply to depositors in any institution for which the Corporation was appointed as receiver or conservator on or after XX/XX/XXXX, and before XX/XX/XXXX. The Corporation shall take such actions as are necessary to carry out the requirements of this section with respect to such depositors, without regard to any time limitations under this Act. In implementing this and the preceding 2 sentences, any payment on a deposit claim made by the Corporation as receiver or conservator to a depositor above the standard maximum deposit insurance amount in effect at the time of the appointment of the Corporation as receiver or conservator shall be deemed to be part of the net amount due to the depositor under subparagraph ( B ).