davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 

I have already disputed with each bureau, but they did not remove nor prove validation. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/2019 Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/2019 has violated my rights. Or list of inquiries 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 2020-11-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

I have 3 major issues with the company Coinbase. 
On XXXX I purchased XXXX $ of XXXX and on XX/XX/XXXX another XXXX $ worth of XXXX. The following day when I wanted to sell my coins for a profit several issues arose : 1. The sell max function- which allowed you to automatically sell you maximum coins was not working at all, it was up to me to roughly calculate how much money I wanted Inevitably leaving some behind in their wallet. 
2. As soon as I sold my requested amount of XXXX $ they cancelled my transaction! This resulted in me losing money, they did not let me sell when I wanted and I was stuck selling when their system permitted me to. I sold on XX/XX/XXXX XXXX $ worth of XXXX XXXX, leaving XXXX $ worth behind, again because their sell max function doesnt work. I lost hundreds of dollars and there is no one to talk to. They do not have customer service. I filled a form and revived a reply via email it will take them 5-7 days to look into this. But Im the meantime they took my money and I want it back.

3. After filing a complaint with the XXXX on XX/XX/XXXX, they are not letting me withdraw my funds out in the amount of XXXX $ and holding my money hostage for no reason. When I try to complete the transaction the system shows a message saying I have no funds available.
Consumer complaint received 2020-04-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Genesis Financial & Payment Systems Holdings, LLC (IL)

I borrowed {$500.00} from this company in XX/XX/2019and they were taken {$97.00} a month on my check every two weeks to pay off the loan and XX/XX/2019XXXX I lost my job and enter the compound double
Consumer complaint received 2023-02-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the collection accounts associated with my name. Specifically, the accounts with XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. 

Regarding the charge off account with XXXX XXXX ( account number XXXX ), I have no record of ever opening an account with this company. I believe this account was opened fraudulently and without my knowledge or consent. Therefore, I request that this account be removed from my credit report immediately. 

Regarding the collection account with XXXX XXXXXXXX XXXX XXXX XXXX. ( account number XXXX ), I am willing to negotiate a payment plan to resolve this account. Please let me know the options available to me. 

Regarding the collection account with XXXX ( account number XXXX ), I do not dispute the validity of this account. However, I am currently experiencing financial difficulties and can not afford to pay the full amount owed at this time. I request that a payment plan be established to resolve this account. 

Regarding the collection account with XXXX XXXX XXXX XXXX XXXX  ( account number XXXX XXXXXXXX ), I have no knowledge of this account and request that the debt be validated before any further action is taken. 

I am committed to resolving these accounts and improving my credit standing. Please let me know the next steps to take in order to resolve these issues. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Augusta Collection Agency, Inc. (GA)

On XX/XX/XXXX, the company called my phone using a tele automated device. Leaving a phone number to contact I called the number back trying to find out who was calling. I did not give them any information but asked for their legal information. They refused to give me any information. My husband called a few minutes afterwards and the person asked him if he was calling about me. He had not revealed his name or verified any information to identify himself or me. They specifically used my name revealing personal identifiable information.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

2015 Bankruptcy is incorrect. I never hired the attorney listed on this bankruptcy and items listed are not mine. Someone elses bankruptcy is listed on my credit. Also, previously used names do not belong to me. My credit was affected when the credit breach happened and I was apart if the lawsuit. XXXX XXXX has removed the bankruptcy and inaccurate names as well as the chase bank charge off that is not mine. Experian is still reporting these items to my credit report. I have contacted Experian about 10 times to file a dispute to have removed. I have proof to show I paid my car loans and have receipt for pay off and I have never filed bankruptcy on a car loan. I want Experian to remove the items off my credit report immediately.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They are showing a balance of {$92.00} owed to XXXX- which was paid off in XXXXXXXX XXXXf 2022. This account had been disputed multiple times, I've uploaded my bank statement on multiple occasions and filed several CFPB complaints regarding this account yet the balance continues to randomly appear on my report. I paid it off - MAKE IT STOP!!!!
Consumer complaint received 2023-02-23
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. (PA)

Im in the process of buying a home and found fraudulent accounts from DEPTEDXXXX on my credit report in XXXX so I disputed them. The credit bureau did not conduct an investigation. I called twice and both of the customer service representatives told me that they refuse to investigate because there were several payments made on the accounts, so the DEPTEDXXXX accounts are mine and will not be remove. This credit bureau violated the Fair Credit Reporting Act! This unlawful conduct has cost me a lot of stress and financial hardship. 

The DEPTEDXXXX  tradelines on my credit report are fraudulent, inaccurate and incomplete. 
I do not have an account with DEPTEDXXXX. DEPTEDXXXX  accounts have no alleged credit limit, no terms, no scheduled payments and have an incomplete name or a not an actual entity. 

DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX CFPB please require this credit bureau to abide by FCRA and conduct a through investigation.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

In XXXX I refinanced my home with XXXX XXXX. In XX/XX/XXXX I received and email from XXXX that they were transferring the loan servicing to XXXX XXXX. A new loan number was assigned ; XXXX. Under my original contract with XXXX no late frees would accrue until the payment became past due after the XXXX of the month. The due date is the XXXX. I am on Social Security and my monthly payment comes on the XXXX Wednesday of each month. Up until this transfer I was ever late past the XXXX. Since the transfer to XXXX I have been charged late fees. I have complained to them and demanded return of these fees. They respond that they have a policy for late fees. I advised them they can not unilaterally change the terms of my contract with XXXX and demanded they cease and desist any further late fees and to also return all charged late fees forthwith. They simply respond with a computer no doubt. It is hornbook law that a contract involving real property must me in writing. That would include an modifications. No such modification has been executed and XXXX has taken this contract subject to all of it provisions. Please help. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This case was originally filed under XXXX. The context of the original complaint is that Bank of American did not provide any terms and conditions with respect to this foreign currency transaction. 

Bank of American ( BOA ) was successful in logging the timeline of events but they failed to address two critical issues. What terms and conditions were levied for the initial transaction. And why did it take over 60 days for the reimbursement to settle for the account. 

Customer is adamant that BOA failed in its fiduciary responsibility to identify terms and conditions at time of transaction and failed in its responsibility to notify customer after the fact with respect to additional terms and conditions. 

Customer through the help of its mobile service provider has been able to retrieve and save a voice mail from BOA. This voice mail does not address any additional terms and conditions. If additional terms and conditions applied, alternative methods of pick-up could have been arranged. 

To highlight, BOA is responsible for providing terms and conditions. No terms and conditions were presented at time of transaction. No terms and conditions were provided by voice mail. Hence how is the customer to know that additional terms and conditions have been levied by the bank. 

Customer requests refund of {$470.00} as BOA broke original terms of agreement and secondary transaction required additional funds ( {$470.00} ). 
costing the customer money.
Consumer complaint received 2019-11-14
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)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history. and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I got an identity theft report and police contact in my city. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX { XXXX. XXXX. XXXX. I see some inquries on there as well that I dent know about A XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX  XXXX, XXXX   XXXX. XXXX XXXX XXXX XXXX  AND XXXX.
Consumer complaint received 2023-02-23
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX 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  reported XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 1681c ( a ) ( 5 ) Section States : no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 bel
ieve that the information is inaccurate.
Consumer complaint received 2023-02-23
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. (GA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (TX)

Experian continues to allow XXXX to furnish inaccurate information to my credit file. Acct. # XXXX. XXXX is reporting XX/XX/XXXX for date of last activity while Experian is reporting XX/XX/XXXX. This is over half a year difference. Due to reporting inaccurate information I want the account deleted. I am showing proof of the inaccuracy directly from my credit report.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$2900.00} ; XXXXXXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (AZ)

I Financed a car through wells fargo in XX/XX/XXXX from XXXX XXXX of XXXX Arizona. I have made 10 payments on it and wells fargo has yet to report them to any credit bureau. I have called multiple times and they say to mail a letter to the corporate office like its XXXX. I have sent 2 letters in 6 weeks with no response. I have been in possession of the car for 13 months and show nothing on my credit for it and wells fargo hasn't been any help.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Freedom Mortgage Company (FL)

Validation of Debt Freedom Mortgage Account # XXXX Please take note that, pursuant to the Fair Debt Collection Practices Act section 809, I request that you validate the debt of each account number listed above in this notice. Please validate the debt in compliance with FDCPA by mailing me the following information.

This is to inform you that I am a " consumer " as defined by the provisions of 15 U.S.C. 1692a ( 3 ).

This letter is to further inform you that I deem you as a debt collector, subject to the Fair Debt Collection Practices Act, under 15 U.S.C. 1692a ( 5 ).

1. The original contract bearing my name for the account.

2. Chain of custody proof for each Promissory Note for each account.

3. The origin of the funds that created this alleged debt for each account.

4. The true records of the organization showing that there was an Honest disclosure of Facts relating to this alleged loan in compliance with the Truth in Lending Act!

5. The person who prepares and swears to the validation Must describe, 6. Your job Description 7. How long you've been in this position?

8. Do you have personal knowledge about this alleged debt or account?
Consumer complaint received 2023-01-18
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. (CA)

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 2023-01-18
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: EQUIFAX, INC. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I set auto pay for my credit card and the due day is every XXXX of the month. I received the confirmed payment email on XXXX XXXX XXXX XXXX  from Capital one bank, the details of the email are attached. 
After seeing this email, which clearly says PAID Amount and payment has posted so I thought the bank has successfully received the money. However on XXXX, XXXX  days after the due day, the bank charged me {$25.00} PAST DUE FEE and {$27.00} INTEREST CHARGE : PURCHASES, which I disagree since I had enough balance on my account to pay the payment back to the due date, and most importantly, the bank send me the confirmed email, it's the bank 's fault and responsibility to take long time to process the payment after sending the customer confirmed payment email. I have called the bank and they refused to give the refund for the unreasonable fee and charge.