davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY (VA)

Hi, Between the months of XXXX of XXXX i fell into a hardship where i was having difficulty paying my mortgage for XXXX month, i called and spoke to a rep at XXXX housing and he placed me on a payment arrangement where my monthly payment would be broken into XXXX payments added onto my mortgage and that my payment would not be XXXX anymore, it would now be XXXX $ monthly for XXXX months and my new due date would be the XXXX of each month. 

I started the plan immediately after i was told this and so i started paying every month on the XXXX. In XXXX when i went to pay my bill i was told that i did not owe a mortgage because i paid twice in XX/XX/XXXX. I called back that same day to speak with someone else to make sure what i was hearing was correct and i was told this information again. ( XX/XX/XXXX ) .. that i didn't owe a payment until XX/XX/XXXX because i paid twice in XXXX. 

I proceeded to pay XXXX and XXXX on XXXX of those months and now XXXX XXXX is telling me that they made an error and i did not pay twice in XXXX so now I still have XXXX more payment of the XXXX to pay now and XXXX payment as well, bringing my total for XX/XX/XXXX XXXX In addition to this my credit score has been butchered because they are reporting me XXXX days late every month since the plan started and i would never agree to a plan that reports me XXXX days late on my credit report until the plan is completed.. Also I've stated i don't have this large payment I am being offered to be put on this payment arrangement again and I declined it. 

They gave me incorrect information and caused me to go delinquent again, although I've lost about XXXX of my credit score throughout the duration of this arrangement i am asking that XXXX XXXX removed the late payments off of my credit report.. they are refusing to do so. My payment plans due date has been the XXXX throughout this process, im not sure why im being reported XXXX days late XXXX times on my credit report.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective companies, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The companies have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GU)

My bank notified me about suspicious activity on XX/XX/XXXX. My account received ten unauthorized charges from COINBASE. These unauthorized charges are double charges from previous purchases I have made from XX/XX/XXXX-XX/XX/XXXX. 

I have tried contacting COINBASE through email and telephone to no response. I have only received an automated " thank you '' email.
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (GA)

On XXXX XXXX, I went into my electric company, XXXX XXXX  XXXX and requested that my services be disconnected on XX/XX/XXXX. They scheduled my disconnect and told me my deposit would be kept until after the disconnection and if any money is owed it will come out of my deposit and any remaining money will be mailed to me in a check. I was out my previous location on XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from a debt collection company by the name of On Line Information Services stating I owe XXXX XXXX XXXXXXXX, {$300.00}. My XXXX bill was paid in full. There is no way I owe {$300.00} for 7 days worth of service. My deposit was {$250.00}. I should've received a check in mail because there is no way they are charging me that amount for XXXX from XXXX XXXX. I was completely out on the XX/XX/XXXX and I called and ask if it could be disconnected on the XXXX and they told me since I scheduled on the XXXX that's when they will have to disconnect. XXXX XXXX XXXXXXXX is a rip off! And need to be investigated. They can turned off the services in office until they disconnected from the outside box. I called XXXX XXXX XXXXXXXX and they tell me they can't speak to me on the matter. They can't speak because they know they are wrong and defrauding their customers.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

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 2023-12-28
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)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-28
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. (TX)

I recently purchased a copy of my credit reports, and noticed a few violation 's. Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( XXXX, Experian, or XXXX ) ( Furnisher of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies XXXX, Experian, or XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, or XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( XXXX, Experian, or XXXX ) interactive service agreement. Thank you for noting my account
Consumer complaint received 2023-12-19
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: EQUIFAX, INC. (MD)

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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent multiple letters regarding this inaccuracies on my report. But I never received any response or resolution about this matter. These account are paid on time and was never late. 

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 These accounts are not mine, I never signed any agreement or contract with them. I don't have any business to any of these following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc. (TX)

I am writing regarding a concerning collection entry I recently discovered on my credit report from your agency. This collection item was previously unknown to me, and I have serious doubts about the validity and accuracy of the debt being claimed. 

Under the Fair Debt Collection Practices Act, I have the lawful right to request that you provide proper validation and verification of this alleged outstanding debt. I am formally invoking that right and demanding you furnish me with the required documentation and evidence proving the debt 's legitimacy. 

You must supply a complete and satisfactory validation response within 15 days of receiving this letter. Failure to do so within the mandated timeframe will be considered a violation, for which I will pursue legal action and seek monetary damages.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (SC)

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my DISCOVERBANK XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
Consumer complaint received 2024-06-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

I just recently starting focusing on building my credit and noticed someone opened multiple accounts and I had to request new social new id card and new birth certificates I just recently moved back to XXXX XXXX XXXX as I was living in XXXX XXXX and I noticed under personal information someone manipulated several addresses and job in formation that I have since disputed I want this off my credit report asap and would like a validation letter with my signature because this is fraud at this point
Consumer complaint received 2023-12-28
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TX)

I receive my s.s.XXXX benefits on a direct express debit card on the third of every month on XX/XX/XXXX  I received my monthly benefit of XXXX dollars. After paying bills the day of the third I had somewhere around XXXX left on the card. The next day XX/XX/XXXX  I attempted to use the card to make a purchase only to have it declined for insufficient funds to which I immediately contacted direct express and found that there were multiple online charges applied to my card that were authorized by direct express even though there was a restriction placed on the card so it could not be used online not even by myself. Once I had informed direct express about the fraudulent charges the card was canceled and a new one ordered and sent out to me and the paper work to file the charges as fraudulent officially. Which I received the new card in six days but still to this day have not received the official paperwork to file a claim even after several requests and supposedly more claim forms were sent out to which I never received any of and since they only give you 10 business days to reply to the fraud charges I wrote it all out on plain paper and emailed it to them and faxed it also. Only after multiple calls to their fraud department were made I was told a provisional credit may be coming or might not no one could tell me one way or the other finally after checking my new card at the atm did I see that a credit of XXXX dollars was put on my card which was a real surprise because my claim was for only XXXX dollars but it really didnt matter because I didnt have the money a week before they took it all back which put my account into a minus XXXX dollars with no notice what so ever only after receiving a letter from them a week and a half later that said they had finished their investigation and had concluded that they were authorized charges even though the card never left my pocket or was put of my site and there being a restriction of not being able to be used online and that they considered the matter closed did I even know what happened this is the second time in ten years Ive had fraudulent charges that I never received the official paperwork for it always somehow gets miraculously lost in the mail but the new card always seems to find its way and it has gotten progressively harder and harder to even get ahold of a live person to even talk to most people just give up Im disgusted with them and will find an alternate financial institution
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 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 2023-12-28
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. (TX)

In accordance with Fair c=Credit Reporting Act. XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C. 1681 Section 602 and 604 States i have the rights to privacy and a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (NC)

My interest rate has gone up from {$19.00} a month to {$99.00} a month. Minimum payment is {$130.00} and interest rate is {$99.00}. 
What is going on and can you fix this problem.
Consumer complaint received 2023-12-28
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. (NV)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kelsting Group, Inc. (CA)

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, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am attaching the letters that should be sent to all XXXX credit bureaus to correct the misinformation on my credit reports which is a violation of FCRA. The credit bureaus are reporting personal loans under mortgage it is not a mortgage loan. I know this because I see it on all my reports and lenders have told me so.