davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: JP RECOVERY SERVICES, INC. (MD)

In XX/XX/XXXX, " The XXXX XXXX XXXX XXXX '' sent me two bills for large amounts that I have to pay. Since I could not afford to pay the entire amount right away, and they have not offered a payment plan, I decided to pay down the bill at about {$100.00} per month. I kept getting the bills for five months and every time, it comes with something called a " myEasyMatchCode '' that I need to put in along with my account number, when paying online. I used these codes to pay. After 5 months, they stopped sending the bills. So I tried to go online and used the same codes they sent before. Apparently the codes they were sending expire and so for no fault of mine, I could not pay in XXXX and XX/XX/XXXX. In late XXXX or early XX/XX/XXXX, I received a call from them asking if I would like to pay down the bill. I said that since the amount is large, I have been paying it down monthly. I asked why I was not getting the bills lately, but she just said " Ok. '' and hung up. Later in the month, I received a collection notice. The collection notices does not have the correct account numbers. 

My complaint is, XXXX XXXX XXXX XXXX never gave me a fair chance to pay since XX/XX/XXXX. They stopped sending the bills on their own and sent it to a collection agency without giving me a clue of what's going on. When I called the billing department at XXXX XXXX, the billing rep says I am at default because " I have not been paying for three months. '' How is this fair? Is this how consumers who are responsibly and conscientiously paying their bills will be treated on par with people who evade their bills? I called and informed the billing rep at the XXXX XXXX that I am paying down the bill every month, and he does not seem to care. He just kept insisting that I have not paid for the last three months, without acknowledging the fact that they were the ones who stopped sending me the bills and even the codes they used to send initially were expiring soon. 

If honest people who are paying their bills are treated like this, how will we gain trust with these large organizations? Without doing their due diligence as in offering a payment plan, informing me why they have not sent the bills, or that they were going to send this to a collection agency, how can they do this without following a transparent protocol?
Consumer complaint received 2022-04-24
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)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 


Account name XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account number XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 




Thank you for your time and help in this matter. 


XXXX XXXX XXXX
Consumer complaint received 2022-04-24
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. (CA)

Transunion stated that the following account was verified XXXX  ( XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Transunion was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Consumer complaint received 2022-04-24
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. (DC)

in accordance with the Fair Credit Reporting 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-24
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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-24
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. (DC)

in accordance with the Fair Credit Reporting 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (UT)

On or about XX/XX/2021, my Coinbase/CoinbasePro account was compromised during an attempted transaction. Coinbase/CoinbasePro is an online platform for the purchase, sale, and trading of crypto currencies. On that particular day my intention was to purchase a crypto currency. XXXX were propagated with the intended coin purchase, a request for a 'market ' buy, and a value for US dollars in my account for this purchase. I entered {$10000.00} USD and selcted 'buy. ' There was never any record of the transaction. My cash balance was immediately debited {$10000.00} USD!!! I never saw a 'transaction ID ' or any record whatsoever from the attemtpted transaction.

During the past year I have written to Coinbase support 14 times asking for assistance and all I get in responce are computer generated letters asking repeatedly for details which never existed ( order #, transaction #, etc. ). Coinbase robbed me of {$10000.00} USD.
Consumer complaint received 2022-04-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

NetCredit charged me an exuberant interest rate @ 65 %. The minimum rate for the State of South Carolina is 39 %. According to SC State law anything above 39 % is considered ( Usury ). Sent a certified letter to Netcredit on XX/XX/2022 in efforts of lowering my interest rate to the minimum allowed rate here in SC where they're license to do business with fellow residents of the same. Placed several calls to Netcredit in order to ascertain their decision. Met with negative results on each occasion. My payment history has been performed as promised up until this point. That said, I respectfully request your assistance regarding the interest rates in question. Thanking you in advance for your prompt and professional handling of this matter...
Consumer complaint received 2024-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I had a balance of {$1800.00} and change. I was given options to pay in full or settlement. I asked what would be better for credit reporting and was advised paying in full by a US representative with Conns. So i chose to pay the full amount and not take the settlement. They have no updated the credit bureau incorrectly stating paid as settlement. This needs to be be correctly immediately to updated as paid in full not a settlement as i did not take a settlement. I have called multiple times but my calls get routed overseas and i get no where with them.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

We opened credit cards with Home Depot and Costco. Both cards are through Citi Bank. With the Home Depot card, it was opened as a paperless statement. We never received and email with the statement and notification for pending bills were received the day the bill was due. With the Costco card, we were switched to paperless bills with no notification. Similar to the Home Depot card, the emails about pending bills/balance due were sent the day the bill was due. With both cards we missed a single payment because notification of balance due for the month was received the day it was due This then resulted in a late fee, plus interest charged for all charges until we made two consecutive payments on time.
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

I paid off a {$17000.00} loan for a XXXX XXXX from XXXX XXXX over the course of 60 months. My final payment was XX/XX/2021, and I received a letter of satisfaction. Last month, I went into the same dealership and was not able to negotiate the terms of a trade in for a new vehicle because they insisted on charging an enormous market rate adjustment for the new vehicle. I secured a deal for sticker price ( in writing ) and approved financing from another dealership. When I attempted to get a clear title, the XXXX informed me XXXX XXXX never processed the appropriate paperwork, and I could not have clear title to the vehicle I had paid off almost XXXX years prior. I contacted Kia Finance America, and they said the same. I repeatedly attempted to contact XXXX XXXX during business hours. No message was returned. The issue is time sensitive because I negotiated an existing deal which I could not accept and financing ( as interest rates are rapidly increasing ). The end consequence of these events is clear, XXXX XXXX is price gouging while holding my rightful documents XXXX, making me unable to do business with any other entity but them. This clearly constitutes are crime of financial coercion.
Consumer complaint received 2022-04-25
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, the following companies are listed below : XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX, account # XXXX, has violated my rights. 

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 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (NY)

XXXX XXXX XXXX Last reported XXXX XXXX, 2022 {$9400.00} Open balance XXXX XXXX XXXX Original creditor This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit.
Consumer complaint received 2022-04-22
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. (FL)

In accordance with the Fair Credit Reporting 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 also states a consumer reporting agency can not furnish an account without my written instructions! ) US Bankruptcy Court, XXXX Fl XXXX # XXXX 2 ) XXXX XXXX XXXX. Amount XXXX 3 ) XXXX XXXX XXXX. Amount XXXX
Consumer complaint received 2022-04-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX Reference # 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 2022-04-24
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 and act penncreditcorporatio account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A.states I have rights to privacy.

15 U.S.C 681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc. (PA)

On XX/XX/2023 I purchased numerous things from XXXX and used my cash app debit card to pay. The money was taken from my account on XX/XX/XXXX. Yesterday on XX/XX/2023 I got a notification from cash app saying the transaction from XX/XX/XXXX was updated to XXXX $ and they took the money out of my account AGAIN! I contacted XXXX and they said cash app was already contacting them about a technical glitch that happened and was trying to resolve this and to contact them. So I contacted cash app and they told me that the money originally was never taken from my account ( which it most defintely was ) and that why they took it was because they never received it! So I have been overcharged by XXXX $! And cash app will do nothing about it! Basiclaly saying Im out of luck! Im not rich I know what comes in and out of my account! Cash app is committing fraud!
Consumer complaint received 2022-04-24
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 and act XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A.states I have rights to privacy.

15 U.S.C 681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
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  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 an account without my written instructions! ) US Bankruptcy Court, XXXX Fl Reference # XXXX 2 ) XXXX XXXX XXXX. Amount XXXX 3 ) XXXX XXXX XXXX. Amount XXXX
Consumer complaint received 2020-08-25
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. (TN)

This complaint is against the credit bureaus i disputed incorrect information on credit reports i sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to recieve a response period. I am filing a complaint the following account XXXX XXXX a creditor is reporting incorrector open of this account ex open XX/XX/XXXX but XXXX   and equifax reporting open dates of XX/XX/XXXX the date of last activity reporting XXXX XX/XX/XXXX and equifax XX/XX/XXXX how is it possible for this account to be open after the lease date also how is this reporting two different dates of last activity this account has been reaged and also is not reporting any payment on my credit report I also attached a lease agreement and proof of last payment.according to my credit report how can XXXX report the open date and last activity as the same. 
XXXX XXXX is reporting incorrect open dates three differents of last activites all across the bureas how can they be incompliance with the FCA when they wont correct or delete inaccurate information on my credit report, i have attached lease agreement credit report proof of payment ...
Consumer complaint received 2022-04-24
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 Credit Reporting 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-21
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc. (OR)

I received a medical bill, but missed the original letter in the mail while I was traveling. I later received a text message with a link to a website where I could pay the bill, but I initially passed off the message as being a potential scam and ignored it. 

The debt was sent to a collections agency. When they called me, the collections agency required me to provide personal information, such as date of birth, before they would provide any details about the debt over the phone. This made it impossible for me to verify that they were trying to contact me regarding a legitimate debt without providing personal information and risking identity theft. Even though I possessed a letter with a " Reference Number '', the phone representative would not accept this reference number as verification and continued asking me for personal information.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (UT)

I was unaware of this regulation at the time, but then again I was trusting that my lender had our best interest at heart as well as knew the laws that govern them, but in reviewing XXXX  and the CFPB 's website it has come to my attention that when closing on a home the lender is required to provide you with a closing disclosure form issued at least 3 days before we sign the mortgage documents, at least 3 days before the borrower becomes contractually obligated to the lender so we may compare and ask questions before we go to the closing table. In our situation this was not the case but at the time I trusted my lender and mortgage loan officer, XXXX XXXX was doing right by me and was doing everything by law, I see now that is not the case. 

My husband and I did not receive our final closing disclosures until XX/XX/2020 at XXXX. We went to the closing table on XX/XX/2020 at XXXX. Based on our signed Note we became obligated to the lender on XX/XX/2020. We didn't even have a full 24 hours nor did we have a loan officer at our closing table to answer our questions. 

This is the second complaint I am writing to the CFPB regarding issues I have had with my mortgage originator and loan officer. This is another example of predatory lending as it is a blatant violation of the laws created to stop predatory lending and is the exact reason the CFPB had to be created.