davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
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. (AL)

I sent a letter requesting the method of verification for an alleged bankruptcy listed on my credit file XX/XX/XXXX via certified mail.I received a response from XXXX on XX/XX/XXXX stated they received my dispute and went over the investigation process. I received no results to this matter for over 120 days. I filed a complaint with cfpb on XX/XX/XXXX they responded with a typical message and sent another letter in mail stating the dispute process on XX/XX/XXXX. I have yet seen any results from this investigation I requested a Method of verification and have not been provided that information. My complaint was closed with the cfpb after the company responded. 

I sent a letter to Experian certified mail on XX/XX/XXXX requesting the method of verification of an alleged bankruptcy listed on my credit file. I received a letter on XX/XX/XXXX stating the bankruptcy was certified from a third party. I requested the name of the company who certified this information I received no information. I filed a complaint with the cfpb on XX/XX/XXXX I received a letter in mail stating once again it was certified but they failed to tell me who certified this information as requested 3 times. 

I sent a letter to XXXX certified mail on XX/XX/XXXX requesting the same information as the other bureaus a method of verification of an alleged bankruptcy on my credit file I received no response from the bureau for over 120 days until I filed a complaint with the cfpb. The company did not respond after 30 days and this alleged bankruptcy by law was suppose to be removed due to the no response after 30 days. XXXX sent a letter requesting proof of identification and proof of address.
Consumer complaint received 2021-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-19
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX Dear all, believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I XXXX seek damages from you if warranted. 


The Debts involved are as follows : XXXX XXXX {$1600.00} XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-10-17
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. (TN)

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.has violated my rights. 
Account 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 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 2021-12-19
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: NCB Management Services Inc. (PA)

I filed a dispute with XXXX and XXXX about inaccurate information being reported on my credit report on XXXX from NCB management services. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit report immediately.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of Registered Agent for National Credit Systems , Inc . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
National Credit Systems , Inc., has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
Consumer complaint received 2024-10-17
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. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2021-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Someone has taken complete control of my identity.I have been getting notification that the same companies keep sending credit bureaus request for my credit report .I have not applied to any of the companies that is on this report and not sure who has my personal information and how there able to use it at free will.I have been trying to contact the credit bureaus by phone trying to explain this issue but as of today they have not been able to resolve the issue ..Please Please help me take back my life this has truly been a nightmare
Consumer complaint received 2021-12-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (SC)

ncb management service at XXXX XXXX XXXX XXXX XXXX, pa XXXX submitted a collection account to my credit report on XX/XX/XXXX owing a past due balance of XXXX i dont know this company. i have never done any business with this company. this company does not have a contract with me or with my signature. .its stating account opened in XX/XX/XXXX, and a report date of XX/XX/XXXX. I havent recieved any correspondence from this company prior.
Consumer complaint received 2021-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

After viewing my consumer credit file on from XXXX, and XXXX XX/XX/21 I the consumer XXXX XXXX noticed a consumer report furnished by Capital One Bank USA NA account # XXXX without my consent and instructions that they need to have to furnish such report according to 15 USC 1681b ( a ) ( 2 ) the permissible purposes section of the FCRA ; Capital One Bank USA NA included in the consumer report things that shouldn't be included in their also according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ), ( B ) of the FCRA exclusions subsection. It stated the following : 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) says a consumer report does not include " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' While 15 USC 1681a ( d ) ( 2 ) ( B ) States that a consumer report does not include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. For Capital One Bank USA NA furnishing a consumer report without my consent or instructions this constitutes as identity theft under the FCRA. Which makes them civilly liable pursuant to 15 USC 1681n and their negligence according to 15 usc 1681o for them failing to take proper care and the mismanagement of their procedures for them reporting inaccurate information as well as invading my consumer privacy, actual damages occured on the bases of defaming my character for them furnishing a deceptive according to 15 USC 1692j ( a ) in them opposing as the creditor of me when I am was the original creditor in this manner by way of offering and having my consumer credit be extended from my open end consumer credit plan. I by way of notice on XX/XX/21 sent a notice to Capital One Bank USA NA of FCRA violations by way of certified mail receipt # XXXX XXXX XXXX XXXX XXXX I attached all said FCRA codes that they are in violation of
Consumer complaint received 2021-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I have been a victim of financial fraud and identity theft. 
I was scammed, the suspect had access to my ID, social security. I reported to my bank, Coinbase, police Federal Trade Commission and FBI IC3. 

I have lost total of {$52000.00} which $ XXXX of the total was transferred from my XXXX XXXX  to Coinbase, The first transaction was on XX/XX/2021 to Coinbase for {$30000.00} The second transaction was on XX/XX/2021, also to Coinbase for {$20000.00}. 

The funds were sent to Coinbase and subsequently transferred to two separate third-party digital wallets without any warnings about potential fraudulent activity in relation to said digital wallets. The digital wallets belonged to scam cryptocurrency platforms/organizations. I have not receive the service or protection that was promised or described by Coinbase LLC nor XXXX XXXX I have tried to contact Coinbase to dispute these transactions but was ignored and not offered any assistance. 

XXXXXXXX XXXX is not willing to investigate further or to recover my money.
Consumer complaint received 2021-12-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

Hello, This is XXXX XXXX formerly of XXXX XXXX XXXX XXXX Maryland XXXX We had a home that was serviced by Ocwen. 
I have requested many times about funds that are available to us. 
Ocwen sent us an email also about the funds. 
We are getting Ghosted by Ocwen lawyers and there response is we are harassing Ocwen. 
Yes Ocwen has responded many times with a blank statement but no communication on how much the funds are. 
Respectfully, XXXX XXXX
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (IL)

CMRE FINANCIAL has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major surgery. I have never done business with CMRE FINANCIAL yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail.
Consumer complaint received 2021-12-18
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: WELLS FARGO & COMPANY (CT)

These accounts don't belong to me. Please remove them from XXXX. Please see below the list of accounts that are reporting derogatory on XXXX. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WFDS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-12-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I started a dispute with XXXX XXXX because I was treated unfairly for buying a car that was literally in the junkyard within a month after buying it. The dealership refused to give me another vehicle. 
The XXXX XXXX XXXX XXXX XXXX XXXX refused to repossess a junk car. I tried to take the XXXX XXXX to court and they refused the summons. 
Everything in life is not about money. The human factor of being deceived in the sale, and the expectation that I should pay for a junked car is unacceptable. 
In America, when you buy something that's broken, you take it back to the seller and get your money back, or have the item replaced. 
This is a Punitive action against me, solely for the purpose of ruining my life. When money means more than honesty, the ethics involved are lacking. That is called greed.
Consumer complaint received 2021-12-18
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)

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 2021-12-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern I disputed an item on my credit report with TransUnion, I filed a certified mail ( tracking code : XXXX ) with the return receipt requested on XX/XX/2021, and from the tracking and after talking to a XXXX agent I confirmed that an agent from Transunion received the dispute on XX/XX/2021. ( I attached the evidence below ) I never heard from them and filed a follow-up letter specifically saying that, ''according to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. '' The second letter ( Follow-Up ) was also a certified letter with return receipt requested and Transunion Received the follow-up letter on XX/XX/2021 and I was able to confirm the delivery was completed on XX/XX/2021 for my follow-up letter to the original dispute. 

Finally, it took TransUnion around 90 days to respond to my dispute and they denied my dispute. I received this letter on XX/XX/2021 about 90 days after my original dispute letter. 


I attached the XXXX delivery date files to and from TransUnion below.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Nothing but a being resolved this bank is being very incompetent they are half investigating my claims this isnt ok I should have been protected but I want now Im in the hole for someone elses transactions under my account something needs to be done because eventually Im going to sue this bank for ignoring and letting thiefs steal valued customers money this isnt right none is listening taxes are coming in months later then they still half investigated my claims I didnt make t hun de transactions and I want my money everytime they deny me every interaction I have with then is being documented I have 2 years of negligence from this bank I XXXX is next week what is XXXX by with your people devils fix my account this isnt going away u we will continue this back and forth until its resolved