davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Advanced Resolution Services Inc. (WI)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently submitted information on a auto loan that I had with XXXX. They repossessed the car and updated my XXXX credit reports with XXXX  status. 

this auto was repossessed and PAID off through action. I currently do not OWE on this automobile. 

my credit report shows PAID on EXPERIAN and XXXX on XXXX AND XXXX. 

XXXX Experian XXXX XXXX Experian XXXX Account Type : Installment Installment Installment Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Code : Individual Individual Individual Account Status : XXXX Paid XXXX Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$13000.00} {$13000.00} {$13000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (TX)

I was the victim of identity theft by a former tenant in my home, XXXX XXXX XXXX. The account with CITIBANK BEST BUY VISA CARD was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payments for a time without my consent or knowledge. I have tried unsuccessfully to contact Citi and reps argued with me that account was sold. I need to be absolved from responsibility with CITI. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication. 


XXXX XXXX XXXX XX/XX/year> SS # XXXX ADDRESS : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX CELL : XXXX
Consumer complaint received 2024-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

I cashed out my Coinbase account on XXXX XX/XX/2024. Their web site emailed me saying I would receive my {$130.00} by XXXX XX/XX/2024. I have neither received my money nor any follow-up email from Coinbase.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

This account was started fraudulently, Ive asked this company to stop reporting this fraudulent account which was the result of identity yet they continue to violate my rights and reputation by reporting these fraudulent items on my report. This needs to be removed immediately this is a violation of XXXX XXXX XXXX and the FCRA. Remove this from my credit report immediately and stop destroying and defaming my credibility.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

My account with the NAVY FCU company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: QUALITY ACCEPTANCE LLC (CA)

XXXX XXXX XXXX Stated in the recent response document that they applied the net proceeds in my contract agreement to the principal balance according to my credit report from XXXX the balance remained was XXXX $ in a positive balance I know I gave the proceeds and security interest away in the agreement so Im requesting answers to why wasnt the securities interest applied to my principal balance on behalf of my principal XXXX XXXX contract agreement? 
And question 2 is how much was the net proceeds amount? And how much was the security interest in the original contract and how much was applied towards my principal balance I am requesting a copy of my original agreement with my wet ink signature and the net proceeds receipts showing they were applied to my contract principal balance thank you. 
Signature XXXX XXXX beneficiary XXXX/2024XX/XX/year>
Consumer complaint received 2024-05-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (FL)

I acquired a bankruptcy attorney in XX/XX/2019. Per my attorney I was advised not to communicate with any debtors. I continued with the bankruptcy process and it was discharged. I received negative marks from the Department of Education/Aidvantage after the bankruptcy was discharged. I have never been late paying student loans currently or prior the negative marks on my reports.
Consumer complaint received 2023-02-16
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. (NY)

I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, metro 2 compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!
Consumer complaint received 2024-07-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

I was solicited by someone presenting themselves as representatives of XXXX XXXX XXXX XXXX XXXX  ( later changed to XXXX XXXX XXXX XXXX to invest money in financial services or products. This investment turned out to be unsuccessful and/or fraudulent and I lost a substantial amount of money. Later, I was again solicited by a person presenting himself as XXXX XXXX as a representative of XXXX XXXX, to transfer amounts for the recovery of the previously lost investment. Such persons explained to me that the funds that were previously lost to the web-platform XXXX XXXX XXXX XXXX XXXX are now recovered and available for refund. Eventually, these claims turned to be fraud too. All payments to both Merchants were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker/ recovery service. All such transfers were made through my wallet hosted by Coinbase. I consider the beneficiary wallets being an integral part of the fraudulent scheme behind both XXXX XXXX XXXX XXXX I also know that under the so called travel rule, virtual assets services providers ( XXXX ) are put under certain obligations, which include collection and keeping record of information about the beneficiary wallets, especially about if the beneficiary wallet is hosted ( including which is the hosting exchange ) and/or if the beneficiary wallet is un hosted XXXX Based upon the understanding that Coinbase is acting compliant and will provide the due care towards its own wallet-holders ( such as me ), I have sent a relevant request for provision of information ( Attachment XXXX/02 Letter of Demand to Coinbase ). Such letter was solely based upon the assumption that : ( a ) Coinbase should have collected the requested information as a part of their regulatory obligations ( if it has acted XXXX compliant as it declares and advertises ) ; ( b ) neither part of the requested information requested is considered confidential and is not protected under any law ( it does not qualify under any rules as personal information ) ; and ( c ) I have justified legal interest to have knowledge about the beneficiary wallet holder and about the crypto-exchanges that possibly hosted wallets, to which I made transactions. As a matter of fact, said letter is requesting information ONLY about the name of the beneficiary person and the location ( hosting entities ) of the beneficiary wallets, where I have transferred crypto from my Coinbase hosted wallet. It is based upon the travel rule requirements imposed on XXXX XXXX XXXX UPDATED GUIDANCE FOR A RISK-BASEDAPPROACH / VIRTUAL ASSETS AND VIRTUAL ASSET SERVICE PROVIDERS ( v. XXXX  ). With slight deviations in the thresholds and the required information to be recorded, similar regulations are adopted by XXXX, XXXX and XXXX. Unfortunately, Coinbase failed to provide a repose to my justified request.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX  ) - XXXX is currently reporting a unverified account on all XXXX of my credit reports and is obviously re-aged. 
I have never heard of this company before and they are demanding money in the amount exceeding {$6000.00}.
Consumer complaint received 2024-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (NC)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (AZ)

This company, McCarthy , Burgess & Wolff, XXXX OH has attempted to collect on a debt that we do not owe ( see attached letter ). I have confirmed with the company ( that they appear to represent, XXXX XXXX XXXX ) that we do not owe this debt. 

McCarthy, Burgess & Wolff is using XXXX XXXX ' name to collect money we do not owe. This company is not operating in good faith and when contacting them to let them know I was reporting them and that I had confirmed with XXXX  that we do not owe them money, the gentleman ( XXXX XXXX ) proceeded to tell me " I talked with the wrong people. '' McCarthy, Burgess & Wolff has a legitimate looking website and seems to be a legitimate business by all appearances ; however, this debt is not legitimate.
Consumer complaint received 2024-07-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC (FL)

In XXXXXXXX XXXX XXXX, I received a letter and a bill from Mosaic solar saying that I owed them about {$26000.00} with a monthly payment of {$160.00}. I was extremely concerned because I have never applied for solar panels and much less want them because they would look ugly on my house. I also noticed that my bank account was charged the monthly payment of XXXX. I immediately disputed the charge with my bank and received my money back. Mosaic XXXX has called me multiple times and have sent me multiple emails and bills trying to collect on the loan. Every time they have called, I have told them the loan is not mine.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC (MI)

I have been making payment on my Continental Finance Surge Card account the entire time I'd had it. I recently experienced where XXXX had some sort of payment Glitch with there system preventing payments from going out. In fact, XXXX stated that they never received the request from me, but it shows on the end of XXXX. I then switched my method of payment to my XXXX  XXXX XXXX account, and now payments are successful. XXXX closed the account as a result to the payments not going through from XXXX and demanding documentation from me by XXXX explaining what had happened. I supplied the documents and they have failed to re-open my account still at this point.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (WI)

In XX/XX/XXXX, I made a promotional charge on my XXXX XXXX XXXXSynchrony Bank account XXXX If the purchase was paid in full by XX/XX/XXXX, there would be no interest charged ( 29.99 % ). The statement dated XX/XX/XXXX, stated amount balance on this promotion was {$470.00}. I set up for payments totalling {$470.00} to be paid on XX/XX/XXXX, XXXX. 
On XX/XX/XXXX, I made another promotional purchase on my card with interest being waived if paid in full by XXXX XXXX, XXXX. 
On XX/XX/XXXX, I checked my account and it still reflected a balance owed on the promotion set to expire on XX/XX/XXXX, so I made another payment of {$180.00}. On XX/XX/XXXX, the account still showed a balance owed on the XX/XX/XXXX promotion, so on that date I made another {$300.00} payment. 
Today, XX/XX/XXXX, my account still reflects a balance on the XX/XX/XXXX promotion of {$100.00}. 
I did call Synchrony Bank and complained about the payments not being allocated first to the promotion set to expire on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I paid {$950.00} to pay off a promotion that on XX/XX/XXXX, had a balance of only {$470.00}, and on XX/XX/XXXX after payments totalling {$950.00} still had a balance of {$100.00} XXXX. 
My complaint was finally honored and the final payment of {$300.00} was reallocated so the promotion set to expire was paid in full on XX/XX/XXXX. 
Even though my issue was resolved, I believed this allocation is being done intentionally so consumers will miss paying off a promotion on time and owe outrageous interest. Only if someone complains is the allocation changed. I fear there are consumers who do not follow up and end up paying interest they never should have been charged.
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MA)

I enrolled in a payment plan with care credit because i couldn't make the payments. ( end of XXXX ) I suffered a XXXX on XX/XX/year> and have been out of work. {$250.00} was the lowest i was told i could pay based on my balance. I agreed to that amount so that my balance wouldnt keep accruing incredibly high interest and late fees. I called on XX/XX/XXXX and let the women know i was unable to pay currently. She told me because i was enrolled in the payment plan its ok if i don't pay the whole amount or pay on the arranged day and would note it on my file. I woke up on XX/XX/XXXX to my debit card balance being negative due to a payment of XXXX being processed. I called care credit immediately.. the first women told me that the payments are automatic when on a payment plan ( wrong ) was transferred and he told me it couldnt be refunded and that i agreed to the payment the previous month ( also wrong ) again transferred he said it could be refunded to me by check 7-10 business day. I told him that wasnt good enough and needed refunded to my account so i was transferred again!!! The last man said there us absolutely no way it can be refunded and he doesn't know why i was told that and to have my bank help me because theres nothing he can do. Every single representative told me a different answer and no one acknowledged that it was illegally taken from my account. 1 hour of my time with no resolution! The worst credit card company to deal with. 
Honestly would have been better off sending it to collections then dealing with this company.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GU)

When checking my credit report, I noted that a new account was created, which did not open. It was opened for {$180.00} in XXXX XXXX Minnesota. I have never bee to XXXX XXXX Minnesota. See attached for more details