davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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)

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/2021. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against multiple times and refused my RIGHT as a consumer to extend credit. 


From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. 

Because of this, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! From what I understand there is no such law that states that anything must be reported to a consumer reporting agency. Therefore, your organization is liable. 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; XXXX XXXX XXXX XXXX  and all remarks XXXX XXXX XXXX XXXX  and all remarks XXXX XXXX XXXX XXXX and all remarks Upon further research 15 USC 1681n states that each violation for willful noncompliance is {$1000.00} per violation. 

My reputation has been abused enough. My right to privacy has been abused enough. Remove these accounts from my credit report. I have provided federal laws and as a federally protected consumer, I expect this to be handled accordingly. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-30
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-01-09
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. (FL)

Following the receipt of my credit report late last year from the XXXX, Experian and XXXX  consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX  and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors.

I never had two separate student loans. Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely  confirmed the accounts. I complained to the creditors about the duplicate reporting - in writing - and even completed disputes with the credit reporting agencies. They were also ignored with no explanation whatsoever. 


Once again - I never maintained two separate student loan accounts. This companies ignored my concerns despite evidence to the contrary and complaints to the XXXX, Experian and XXXX  consumer credit reporting agencies. My FICO credit scores have been severely impacted as these separate accounts report as collection entries. 

I now file my complaint to the CFPB seeking relief.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Transferred {$25.00} from XXXX XXXX to Coinbase. My XXXX XXXX account was charged on XXXX XXXX, 2018. Balance should be available within 3-5 days. However it is not available and says still pending. Coinbase has not responded other than saying transfers take time.
Consumer complaint received 2021-07-08
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: Credit Plus Inc (AL)

XXXX made two inquiries to my credit report with XXXX  on XX/XX/2021. Each time a credit report is pulled it causes the consumer 's FICO score to decline. Mine went down by 18, and now is below average at XXXX. All my credit reports has freezes place on them. These over active mortgage brokers/lenders do not wait until the freezes are temporarily lifted and make inquiries over and over again to make these home loans and refi possible for the mortgage companies they work under. Therefore, making the consumer 's FICO scoring to decline. Because they perform this transaction twice, which was not necessary my credit file is totally in error by the decline of 18 and needs fixing my XXXX and Credit Plus, who both did the same exact thing for the mortgage broker/lender. Credit Plus made two inquires to my credit file on XX/XX/XXXX and XX/XX/2021. Again, not waiting for the freezes to be lifted by all three credit bureaus by being over-bearing in getting this loan application approved or accepted by the mortgage lenders. I am consider now below average with a terrible FICO created by a XXXX and Credit Plus that the mortgage brokers used to obtain my credit file.
Consumer complaint received 2018-01-09
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter to XXXX XXXX XXXX, XXXX regarding account # [ XXXX ] requesting validation of this account reported on my XXXX credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires XXXX to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2018-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter to XXXX XXXX XXXX, XXXX regarding account # [ XXXX ] requesting validation of this account reported on my TRANSUNION credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires XXXX to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a recent data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed to prevent further misuse of my personal information. 
Accounts to Be Blocked and Deleted : XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$1200.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CT)

My Slate account ending in XXXX has been billed interest and fees associated with a charge in the amount of XXXX on or around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA. This charge has been in dispute since XX/XX/XXXX with no resolution, an account supervisor stated today, XX/XX/XXXX, the merchant has not replied and does not have to. This is the second phase in disputes process. The dept handling dispute does not accept inbound calls.. Information was provided prior, as far back as XX/XX/XXXX, showing the items were not received. I know this info was included in initial dispute. XX/XX/XXXX tracking info shows package left with a XXXX XXXX, no one by this name lives at my address and I did not receive the package. Again, this information was provided to disputes reps several times as well via secure message on Chase.com. If Chase reps failed to see it and or act on it, that is their own error, not mine. It appears this is the case as the dispute is now in phase two in which the merchant does not have to reply, according to an account manager..
Consumer complaint received 2024-11-01
Product: Credit reporting 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. (GA)

My credit file is blank. I tried to pull it up and I get an error or technical code BLNK I can see no information on my file. My credit file is completely gone. Can you please help me retrieve my information. I currently have active disputes going on as well so with my file being gone Im not sure if that will still be disputed or if my credit payments updates by creditors be updated as well.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, Subject : Closed Account Removal Request I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable.

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records.

Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness.

Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days, or I will take further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation (VA)

I was issued a ticket for not having an inspection by XXXX XXXX, VA. I paid the ticket. NCC keeps calling and harassing me regarding this debt after I disputed the debt and have repeatedly told them that it has been paid ( and I have verified this with XXXX XXXX ). They will not stop, they tell me that I need to provide proof to them that the debt has been paid, I told them to verify with XXXX XXXX, who they are collecting for, that I am not comfortable providing financial information to a company I am not familiar with.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect,
Consumer complaint received 2024-08-23
Product: Credit reporting 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)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

I opened a XXXX account on XXXX/XXXX/XXXX to buy and sell cryptocurrencies. I deposited {$3000.00} on XXXX/XXXX/XXXX, {$10000.00} on XXXX/XXXX/XXXX, and {$10000.00} on XXXX/XXXX/XXXX from my checking account to XXXX. 

I noticed a large, unrecognized chage to my credit card linked to Coinbase. The amount was for XXXX and was on XXXX/XXXX/XXXX with a merchant the merchant info COINBASE, XXXX. Since I did not recognize the charge and did not see it in my transaction histories with Coinbase, I contacted Coinbase support. for further explanation on XXXX/XXXX/XXXX. 

Finally on XXXX/XXXX/XXXX, I received a response from Coinbase support. They confirmed they did not see the charges mentioned above on their side and I should contact my bank to investigate. On the same day, I let my bank know that this was not a recognized charge and should be investigated. The amount charged to my credit card was reversed eventually. 

Once the charges were reversed, however, my XXXX account was disabled. I contacted support on XXXX/XXXX/XXXX and only received automated replies on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

I then called XXXX support on XXXX/XXXX/XXXX and after nearly 1 hour of waiting was able to speak with a representative. The representative said the restriction may have been applied in error but needed to escalate the case to subject experts who would review the case. But I have not heard from a subject expert since then. 

I 've been patiently waiting for this issue to be resolved, but after months of waiting it seems the only option is to escalate. It seems like my money is stuck now due to an error on Coinbase/XXXX and they are not willing to work with me to come up with a solution.
Consumer complaint received 2018-01-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (GA)

Company called my husband on XXXX/XXXX/XXXX, at which time he told them to send something in writing as they would not divulge what the debt was for, etc ... I called them back the same afternoon, twice, trying to get the information from them and was told I could not speak to them without his permission. On XXXX/XXXX/XXXX they called his phone, XXXX, 4 times, on XXXX/XXXX/XXXX they called his phone 5 times, on XXXX/XXXX/XXXX they called his phone 3 times. On XXXX/XXXX/XXXX I asked them not to call his number any longer and to remove it from their list as they were disturbing him at work so I gave them my number XXXX. I have also been receiving numerous phone calls from them on a daily basis and they will not talk to me and only want to speak to him. We have yet to receive anything in writing from them.
Consumer complaint received 2018-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (CA)

I received a certified letter dated XXXX/XXXX/XXXX asking us to {$3200.00} by XXXX/XXXX/XXXX. I phoned Ditech because the amount showing du online was a different amount. When I phoned in spoke with a representative named XXXX that informed me to disregard the letter and pay the amount showing due on line for I believe {$2200.00}. I paid the amount due on line. and discarded the letter as advised. He states that by paying this amount would catch my loan up and everything would be fine. I then received a letter dated XXXX/XXXX/XXXX stating that I did not pay the full {$32000.00} by the due date and necessary action would be taken. I received this letter on Saturday Saturday XXXX XXXX. First thing Monday morning I phone ditech to inform them that I received this letter and am not sure because I paid the amount advised by ditech. The representative that I spoke with fist was XXXX XXXX Collector Id XXXX. I read the letter to her that I received on XXXX XXXX, XXXX and she states to disregard that letter. My account is fine and is not going to be forclosed upon. I wanted to make sure so I phone back a second time an read the letter to another Ditech representative and she stated the same. to please disregard that letter. It was automatically geterated from their system and that I should discard it. My loan is fine and is not going into forclosure. I am writing the complaint mainly to document the events that happended.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NC)

On XX/XX/2020 a Credit Limit Increase was requested on my Best Buy by CitiBank Credit card. This request was denied for the following reason ( s ) : " Unsatisfactory existing account payment history '' By definition this is stating that I have poor payment history. Which is inaccurate, unethical and is a violation of the agreed terms and conditions of this account. I, XXXX XXXX XXXX XXXX, Have never previously utilized this account, no payment 's have ever been due, account has maintained a XXXX  balance since opening 6+ months ago. Below is attached the denial letter, and a copy of my credit report showing that the payment history on this account is reporting as " Satisfactory ''.
Consumer complaint received 2018-01-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (CO)

XX/XX/XXXX : Placed a call to my husband and shared personal information about debt acquired before my marriage XX/XX/XXXX : called me threatening to sue for debt established in XXXX, in Nevada with Statue of Limitations of 4 years. I kindly explained that they can not sue me for debt that old and that the debt has been resolved 5 years ago. asked not to contact me again. 
XX/XX/XXXX : Called again claiming that lawyers filed a motion to revive a debt and threatened that I will be served at my place of employment if not resolved immediately.