davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (LA)

So during my time in college I was told that I was able to take a loan out through XXXX or XXXX and did not have to pay back through the contract and speakings. Im struggling due to Covid and hurricanes because I live in Louisiana and I cant catch a break and its bringing my credit down slowly and I just cant pay for this loan.
Consumer complaint received 2022-12-14
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. (GA)

I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NC)

After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under WESTLAKE FINANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. 

I wrote to XXXX, XXXX, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score.
Consumer complaint received 2022-07-14
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. (MA)

In accordance with the Fair Credit Reporting act 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 an 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 2021-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NC)

Account Name CREDIT CORP SOLUTIONS IN Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$670.00} Collections is not from original creditor. I do not owe Credit Corp Solutions- ( account # XXXX ) {$670.00}. I never heard of Credit Corp Solutions. I never did a contract with them. 
Futhermore, I am in the state of NC and they can not legally collect in my state for a date that I did not owe for this company. NC is three years of statuatory limitation. Their also reporting inaccurate My understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that " The data should be reported to the specified definitions in order to process credit information correctly.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (GA)

I am reaching out to BMW Financial about an account that I have been dealing with that has yet to be resolved. This account is listed as a chargeoff account that BMW Financial Services has wrongfully accused me of. According to the XXXX XXXX XXXX a chargeoff is an accounting term where one item is eliminated from the assets lists when it is lost or deemed worthless. In laymen 's terms, a chargeoff means the writing off of a debt. I am also aware that for something to be charged off a 1099c form has to be completed if the transaction is over {$600.00}. This means that you are furnishing this as an income, but you have listed this account as a chargeoff instead. I am demanding that you show proof of where you have removed this asset from your book as well as the 1099c proving that this debt has been charged off. It is alarming that even though this account is listed as a chargeoff is also listed as a collection. I'm curious to know if this account is removed from your asset book, how is it reporting still as delinquent? Providing the requested information that I mentioned will protect me as well as you from tax fraud. If you can not provide me proof of where you have removed this asset from your book as well as the 1099c form proving that this debt has been charged off, I am demanding that you update this account to PAID AS AGREED.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

Complaint about Coinbase, Inc ( XXXX  ) I recently lost my cell phone and changed to a new phone with a new phone number. Now I have tried about a week to update my new phone number and did three times to recover my account and the problem still no resolved. I was able to chat with several reps but they can not solve the problem either. I was able to log into my account but I can not update my phone number in my account as they always tried to send a verification code to an authenticator app on my old phone, which I don't have it anymore. I don't know why there is no option to send the verification code to my new phone number. One rep even let me to set up a temporary account to update the new phone number but still not worked. Now I can not trade or transfer my assets. This is a major defect for the online website and the apps and a major concern for security of my assets.
Consumer complaint received 2022-12-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Consumer complaint received 2022-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TN)

I noticed some discrepancies in what I received from Medicredit and what is written in the 12 CFR Part 1006 ( Regulation F ) ( XX/XX/2021 version ) and ( FDCPA ). I have not received any sort of validation notice after the first 5 days of being contacted. XXXX. The letter I received does not include : a tear off form that you can send back to the debt collector to dispute the debt or take other actions or ANY information on how to dispute the claim XXXX ( c ) ( 4 ) an itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization dateXXXX ( c ) ( 2 ) ( vii ) XXXX ( c ) ( 2 ) ( viii ) The last payment date, which is the date the last payment was applied to the debt XXXX ( b ) ( XXXX ) ( i ) Proof of ownership of the debt Proof that Medicredit is authorized to collect on behave of the original creditor and any details debt collectors authority to collect this money.

Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred.
Consumer complaint received 2022-07-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: UHG, LLC (NV)

Back in 2017, I used to have a credit card through XXXX. I was unable to make payments so I stopped paying on it. 

Over the next few years, XXXX eventually charged the account off. I never received anything in the mail notifying me of this. Then, the third party debt collection agency, " UHG XXXX, LLC '', took over the debt, which I wasn't made aware of. They summoned me to court but I tried settling with them out of court. During this time, the Pandemic caused my job to lay me off. I called XXXX XXXX XXXX XXXX ( The Attorneys for UHG ) so I could try to ask for more time. They told me to just give them a call back when I get another job. 

2 years later, out of nowhere, these guys just started taking money from me. I never received any letters notifying me that any of this was taking place. And now I am being garnished {$400.00} per paycheck. The way these people are handling my case is unacceptable as well as unfair. I am currently taking steps to try and sue these people for their incompetent and predatory practices. Please help me in any way that you can. Thank you for your time. 

XXXX XXXX
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : JPMCB CARD Account Number : XXXX
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act 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 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

1. In accordance with the Fair Credit report Act XXXX account XXXX has violated my rights 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2. It is also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-22
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. (GA)

XXXX XXXX XXXX Amount {$39000.00} Validate account/ Different dates of last activity XXXX  XXXX  Amount {$29000.00} Validate account/ Different dates of last activity XXXX XXXX XXXXXXXX Amount {$38000.00} Validate account/ Different dates of last activity XXXX  XXXX XXXX  XXXX XXXX Amount {$600.00} Validate account/Different dates of last activity XXXX  XXXX XXXX  XXXX XXXX Amount {$850.00} Validate account/Different dates of last activity XXXX XXXX XXXX XXXX Amount {$15000.00} Validate account/Different dates of last activity XXXX XXXX XXXX XXXX Amount {$15000.00} Validate account/Different dates of last activity XXXX Amount {$1100.00} Validate account/Different dates of last activity XXXX XXXX XXXX  Amount {$9200.00} Validate account/Different dates of last activity XXXX XXXX XXXX Amount {$570.00} Validate account
Consumer complaint received 2021-02-11
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: Synovus Bank (GA)

During XXXX of XXXX someone opened up a time-sharing account utilizing my information. Around XXXX there were two First Progress credit cards opened. As well as multiple inquiries of people trying to obtain credit in my name.
Consumer complaint received 2022-12-14
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. (TX)

XXXX - XX/XX/XXXX ( XXXX ) XXXX XXXX - XX/XX/XXXX ( XXXX ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) XXXX - XX/XX/XXXX ( Equifax ) XXXX - XX/XX/XXXX ( XXXX ) XXXX  - XX/XX/XXXX ( Equifax ) XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) XXXX XXXX - XX/XX/XXXX ( XXXX ) XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX - XX/XX/XXXX ( Transunion ) XXXX XXXX  - XX/XX/XXXX ( Transunion ) XXXX XXXX  - XX/XX/XXXX ( Transunion ) XXXX XXXX - XX/XX/XXXX ( XXXX ) XXXX XXXX  - XX/XX/XXXX ( Transunion ) XXXX - XX/XX/XXXX ( XXXX ) XXXX - XX/XX/XXXX ( XXXX ) XXXX - XX/XX/XXXX ( XXXX ) XXXX - XX/XX/XXXX ( XXXX ) XXXX XXXX - XX/XX/XXXX ( Transunion ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) XXXX XXXX  - XX/XX/XXXX ( XXXX ) XXXX XXXX - XX/XX/XXXX ( XXXX ) These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (NM)

I have received several notices of a case filed in District Court stating garnishment of my wages is going to start. There is no indication anywhere of what the original debt even is or an account number anywhere on their documentation. It does not appear on my credit report and I work for a federally regulated XXXX XXXX and we can not locate this debt anywhere. I have read several reports that this company is a scam.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There is an inaccurate account on my credit profile, reporting as XXXX XXXX XXXX XXXX. I have contacted the company and disputed this inaccurate account on several occasions and the account still remains on my credit profile. The company indicates The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

The credit reporting bureau needs to provide me with documentation proving the accuracy of the account. This account does not belong to me and needs to be removed. I have not been provided with any documentation such as that which holds my signature indicating that this account is accurate and the company is in violation of my consumer rights.
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (AL)

in accordance with the Fair Credit Reporting Act XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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 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 2021-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK (CA)

On XX/XX/2018, a fraudulent money transfer in my name, using my Discover Bank debit card through XXXX ( affiliated with XXXX ) was conducted in the amount of {$860.00}. I immediately called both XXXX and Discover Bank to file the fraud and, in the case of Discover, freeze my debit card and account. XXXX could do nothing and directed me to talk to the fraud department at my bank ( Discover ). I did so, and Discover closed the original account and open a new one, initially returning the stolen funds while they investigated. Proof of the original fraudulent transaction is in XXXX. 

The next correspondence happened on XX/XX/2018, where Discover Bank reversed the temporary credit and took the money back. I called them to dispute this, but they said there was nothing they could do about it and claimed their investigation had not confirmed my fraud report. ( proof of funds removed is in XXXX ). 

I recently heard about the cfpb complaint process and I am taking action now to have this claim addressed.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

I made a purchase with my cash card at XXXX using XXXX app to purchase my goods. I wasnt able to get my goods due to technical issues on XXXX app. XXXX stated I needed to dispute the transaction through my bank to get a refund as they are unable to refund me on their end.

Cash app refused to investigate my case. I submitted multiple disputes, Ive contacted cash app via customer support, phone, email and social media.

My disputes were denied in less than 24 hours each time indicating no one actually investigated my case. 
Cash app also restricted my cash card therefore I can no longer make purchases using cash app. 
I was accused of fraud even after submitting a letter from XXXX explaining my case with cash app and my dispute was not resolved after this. 
When I requested the reason for my denied claim, cash app sent me a copy of the transaction.
Consumer complaint received 2022-05-03
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: DISCOVER BANK (OK)

In 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 an 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 any purpose.

Also I did not receive a Model B-1 or B-2 notice.

623 ( a ) ( 7 ) 15 U.S.C. 1681 621 15 U.S.C. 1681
Consumer complaint received 2022-07-28
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. (IL)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Experian 60 days ago. I have not received as response yet and seems as if my disputes being ignored