davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-07
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC. (VA)

Kay Jewelers is causing an adverse effect on my credit. I would like to have this item removed from my credit report. The account was opened on XX/XX/XXXX and the alleged balance owed is {$250.00}. I personally recall paying off this balance back in XXXX over the phone. It has been over 6 years since this account was opened & it should be removed from my credit expeditiously.
Consumer complaint received 2021-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I am still trying to figure out what happened as nobody at the hospital I spoke to would give me any information. I noticed a new account in collections on my credit report on XX/XX/XXXX from Wakefield & Associates collection agency for {$820.00}. They received the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had no knowledge of this account until my credit monitoring sent me an alert. The only time I used XXXX XXXX XXXX was back in XXXX and paid that in full years ago. The current account in collections, which I do not have the acct #, was put into collections in XX/XX/XXXX from services on XX/XX/XXXX according to someone I spoke with from the collection agency. The account is not mine. I did not receive any treatment from XXXX XXXX XXXX in XX/XX/XXXX or any other time besides in XXXX. I believe someone is committing identity fraud with my social security number and XXXX XXXX XXXX did not take the necessary steps to prevent this. I requested a written explanation of the account via fax to XXXX XXXX XXXX and Wakefield and Associates collection agency. I also filed FTC report # XXXX and disputed this with each of the three credit reporting firms.
Consumer complaint received 2022-07-23
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. (FL)

I have disputed the following accounts with credit bureaus as I have no knowledge of them and they do not belong to me, but the accounts are still reporting : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX Bank account XXXX XXXX. XXXX XXXX XXXX account XXXX
Consumer complaint received 2021-10-09
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. (AZ)

On XX/XX/2021 around XXXX XXXX I called Transunion LLC about unauthorized reporting and was wondering why I was not notified of such reporting and if they had my express permission to do such. I sat on the phone for an hour and half to dispute these items. We went over each item multiple times with multiple agents. I asked if they were verified or not. I'm aware that these certain transactions are not to be included in such consumer reporting 's under the FCRA. I'm aware that Transunion LLC did not exercised their grave responsibility and respect of my consumers right to privacy. I made aware that I did not know any of person 's listed on my consumer report nor did I received any goods or services, consumer report does not include such reports containing information solely as to transactions or experiences between the consumer and the person making the report. Most importantly I never gave Transunion LLC doing business over seas. My permission nor contract with them collecting my data and furnishing as they please without consulting me first I am not their client. Not only have Transunion LLC breached my privacy and aggravated identity theft under [ 18 U. S. Code 1028A ], which is a violation of ( 15 U.S. Code 1681b ), Also Transunion LLC is participating in fraudulent reporting 's with unverified.
Consumer complaint received 2021-10-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bepensa Capital, Inc. (IN)

this is my 3rd time requesting investigation and will be filing litigation against this company for trying to collect on a debt after I sent a cease and desist letter demanding verification on this debt. They still have NOT fulfilled their obligation By FEDERal LAW 15 U.S.C.1692g. A Simple Contract is NOT VALIDATION they were supposed to send me They have also damaged my consumer report by reporting false information After I sent them a cease and desist to stop communicating with me through ANY medium. My Consumer Report is in FACT a Medium that they did not stop communicating with, which now makes XXXX XXXX XXXX is in Violation of the Fair Debt Collection Practices ACT as well as TRUTH IN LENDING ACT for not providing me a clear and conspicuously disclosure of my right to rescind the transaction. I Have Been Stuck paying on an alleged debt since XX/XX/2018 and I am tired of the abusive practices they have been taking to collect on an alleged, invalidated debt They also have me believe that I had to put cash down on a finance charge which is false and violation of 1XXXX XXXX XXXX of the Truth In Lending ACT see attached labeled exhibit C for proof. 

There was never supposed to be any cash involved in a finance charge because it is ALL Credit. so i the consumer extended credit to their business for them to extend it back to me. That was the even exchange was the credit. they were false and misleading me from the beginning. 
That is considered Money Laundering and Defrauding the United States and is a punishable crime I WILL BE FILING A COMPLAINT XXXX XXXX, XXXX, AND THE ATTORNEY GENERAL
Consumer complaint received 2021-10-07
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. (CA)

i have attempted to dispute an error on my credit report with experian and they are unwilling to help, they claimed they investigated my dispute the same day i disputed, the error is that chase is reporting my account late 6 times which is a complete lie and the other error is that this is a corporate credit card which never should have been allowed to be reported to my credit report. Our company has had this card for 4 years and never once has it been reported to my personal credit until this month. 


Account info Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Corporate
Consumer complaint received 2021-10-07
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)

This complaint is against XXXX XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. ''
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

-I received notification on XXXX mail that my e-mail account was accessed using the code sent to my phone number ( I never received a code to my phone, now I know because my phone number was ported ) -Soon after, I noticed my password to my Coinbase account was changed ; I could no longer access my account with my personal password, and I still have not been able to get into my account for 6 days. I have contacted support with Coinbase and there has still been no resolution for getting into my account ; I have correspondence stating that the account was locked and sign-in disabled. I'm not sure if I intercepted quickly enough to avoid any transfers because I have not been able to access the account. 
-I went back to my email to check the message regarding account access using a code sent to my phone number and the email was gone and the trash was empty. Luckily, I made a screenshot. 
XX/XX/2021 -I notice an unauthorized transfer from my XXXX XXXX account to my Coinbase account ; I contact XXXX XXXX XXXX to stop payment and stop any withdrawals from the account until further notice I was able to change passwords and recover the number. Then on XX/XX/2021 -I noticed my phone had no service, I restarted the phone, then received a message from my carrier congratulating me on a new phone. 
-I received notification on XXXX mail that my e-mail account was accessed using the code sent to my phone number ( I did not receive notification or request a code ; at this point, I knew the same thing was happening ) -I checked my account activity, but I see no other devices outside of my device which I was currently using to access my account. ( but that is not the case, I have the email from XXXX stating that my account was accessed from a different device ) -This time, I was able to see the mail in the trash folder which were all from my cryptocurrency accounts ( XXXX  and Coinbse ) For password resets and new device log-ins I have now been in contact with Coinbase support for approximately 5 weeks with no resolution. It is past time for resolution. 

I have supporting documents for all of the aforementioned incidents. The documentation the number port evidence ( where it all began ) is probably the most important piece of evidence in this case. Please see the attachment.
Consumer complaint received 2021-10-07
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: Home Point Financial Corporation (NC)

I filed a dispute in regards to a late payment on my credit report. It has been well over 30days and I have not received any investigation reports. This creditor has reported a late payment to my report and I am asking that the late payment be deleted immediately.
Consumer complaint received 2023-11-06
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. (NY)

I HAVE RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS & INQUIRES ON MY CREDIT REPORT THAT WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNTS AND INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2021-10-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

capital one has ignored my requesting of validation of debt i have Cleary stated please provide a wet ink signature with a contract me agreeing to this debt, capital one has only be able to provide mail address, ssn, name for verification under federal law that is not verification of a alleged debt, please see attached documents for further information
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF NEW YORK MELLON CORPORATION, THE (TX)

I had several fraudulent charges on my XXXX XXXX XXXX in XX/XX/2021. 

I called and reported the fraudulent charges and was issued a new card. 

They only reversed some of the charges. 

A few weeks later I received the attached letter stating they tried to call me with questions about the charges. 

I never received a call and the next day I faxed over the emails from the companies that stole my money stating I need to file a fraud claim with my card company. 

After 10 days I did not receive a response or a call so I sent another fax to the number on the letter they sent me asking why they have not credited the fraudulent charges as the card holder agreement states they would. 

It has been several days since the last fax and I have yet to be contacted
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX has done XXXX  of dollars in charge backs. Chase Bank was made aware and I was told nothing can be done these activities are permitted even though items were sent directly to her house, expensive vacations to XXXX, XXXX, XXXX, XXXX XXXX and XXXX were all done by her. ( XXXX XXXX XXXX XXXX IL XXXX ) is her address
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (NY)

I paid my credit card on XXXX in the amount of XXXX, I have no food, no diapers and they are refusing to take off the manual hold when they got there payment I was told my kids have to wait another 7 days for it to fall off, there has to be something that can be done.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (NY)

I pay my son 's Discover card balance as well as my wife 's Discover card balance from my XXXX checking account. This month Discover misapplied {$3100.00} intended for my wife 's account/balance to my son 's account. On XX/XX/2021 I contacted Discover and advised them what they had done. They stated that there was nothing they could do to correct the problem ( they had caused ) as I did not have a Discover account. After my wife and myself were bounced from multiple customer service reps, Discover said they would try to credit my XXXX account with my {$3100.00} as I requested. The {$3100.00} that had been credited to my son 's Discover account in error has been reversed but I have not received my {$3100.00} to date.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My friend sent me his referral link to sign up for a capital one Quicksilver credit card. Here is the link I used https : XXXX. 

Located on this page is a new cardmember offer of a one-time {$200.00} cash bonus once I spend {$500.00} on purchases within 3 months from account opening ( which I completed ). My friend got his bonus but I didn't receive mine. I called customer service and they said the system won't let them send the bonus because it shows that I accepted some other offer that did not include a bonus. I said that's impossible because my friend already received his referral bonus from this same link. Im not sure whats going on but I feel like i got baited into this and everything got flipped on me. Please help me receive my signup bonus that I was promised because it's the reason why I did the application in the first place. If I didn't qualify I would never have filled out the link. Thank you.
Consumer complaint received 2021-10-09
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (TX)

My car was repossessed yesterday with Acura Finacial Services. I sent over all information requested and have the full reinstatement amount they requested around {$3100.00}. They refused payment although I tried to pay the full amount the same day within my 10 day period the law requires them to give me. I was affected by XXXX and have been on and out of the hospital even though the website says the offer ectentions to those affected I was told after my deferment they could not help since I was pass due. Acura is not the lien holder on my coverage so a court order should have been needed I was sold my lease vehicle with liabilty which I can provide proof of they broke the law. I tried to return the vehicile 9 months back and change my contract to what they promised me but they forced me to keep the vehicle threatening returning it would ruin my credit so I kept trying I have proof of this as well .I text and a XXXX review from 9 months ago this was a retaliation! I have small children and am sick I missed 2 doctor appointments after they took my vehicle. I have since contacted my insurace and filed for full coverage although when I purchased the vehicle it was not needed according to the Director XXXX. I called 6 times yesterday and was denied to reinstate. I would like to pay and keeping my car or have a write off completed and this completely removed from my reporting due to Acura not being the actual lien holder upon my agreement and contract signing. I now have an attorney please help as well.
Consumer complaint received 2021-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (DE)

This collection account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2023-01-12
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: JPMORGAN CHASE & CO. (IL)

so I have problems with a few companies and what they are reporting on me the companies would be XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX.These companies are reporting false information to the data furnishers which results in my credit report being inaccurate and has a major affect on my score. I have spoken with XXXX and XXXX XXXX XXXX and ask them to update the information due to fraud with my identity I also have the case on file with the FTC and XXXX. It is a unknown bill in my name reporting collections from XXXX in the amount for {$1600.00} on my XXXX. XXXX XXXX XXXX is reporting a closed account in my name for the amount {$17000.00} They also are updating a balance on account that presumes as closed which is also in violation of my consumer rights according to the FCRA. As for XXXX XXXX XXXX  they are reporting a collections account in the amount of {$4800.00} due to the fact that I had my baby on XXXX XXXX and they are charging me for an unknown service that I have no knowledge of because XXXX XXXX XXXX XXXX XXXX They were asked do they take my insurance and the XXXX  that performed the XXXX ( XXXX XXXX XXXX, IL ) assured me that they accepted my insurance at the time which was XXXX XXXX XXXX and it would be billed to them now years later I am seeing a billed collection in my named due to misinformation on the health providers side. Also XXXX deleted it off of my account now XXXX and XXXX are showing inaccuracy because they will not delete it and the account was never verified by me I also spoke with them and the account is under dispute. And I also have an unauthorized hard inquiry from chase bank that shouldn't be on my file