davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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: R & B Corporation of Virginia (VA)

I sent a two fold letter to the company on XX/XX/2024 requesting both validation of the debt and HIPAA authorization giving the provider consent to share my information with this company. I never received a response. I sent a follow up letter on XX/XX/2024, demanding what was previously requested and again, this went ignored. The company continues to report this alleged debt on my credit report while ignoring letters, that I as a consumer, have the right to request and receive. The company has also has been sharing non-public information with the credit bureaus and this violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions. So, again... *****I am requesting that the HIPAA covered entity or its business associate provide debt validation for an account in question. Please provide that validation in the form of agreement, and original bill, and a detailed statement of procedures is required, if any. 
XXXX. Please provide a breakdown of fees, including any collection costs and medical charges, if any. 
XXXX. Please provide a copy of my signature with the provider of service to release my medical information to you. 
XXXX. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any XXXX. Cease any credit bureau reporting until the debt has been validated by me. 
XXXX. Please provide me with a verified certificate of authority, and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service. 
XXXX. Finally, please provide an affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA FDCPA or HIPAA. ***** I am also requesting : ***1.Evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. XXXX. Please provide the signed documentation, from me, giving you permission to release my non-public information. *** I am carefully documenting these correspondences in the event that I will need to seek redress in civil action for the financial and emotional distress this has incurred, if you continue to report with no regards to the law.
Consumer complaint received 2022-11-23
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-15
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)

I am writing to submit an urgent complaint against the credit bureaus, specifically TRANSUNION, XXXX for their persistent failure to conduct due diligence in properly investigating a negative collection item XXXX XXXX MANAGEMENT # XXXX on my credit report. Despite my continuous efforts to dispute the inaccuracies and their impact on my creditworthiness, the credit bureaus have neglected their obligations under the Fair Credit Reporting Act ( FCRA ) and have caused significant financial and emotional distress. 

I initially raised my concerns and initiated the dispute process with the credit bureaus over a year ago, providing detailed explanations and supporting documentation regarding the inaccuracies in the negative collection item. However, despite numerous attempts to rectify the situation, the credit bureaus have continually failed to conduct a proper investigation and provide the necessary documents to address the matter adequately. 

This extended and unresolved dispute process has had severe financial and emotional repercussions for me. Due to the credit bureaus ' inaction, my creditworthiness has been unjustly impacted, resulting in denied credit opportunities, higher interest rates, and limited financial options. Moreover, the prolonged dispute resolution process has caused significant stress, anxiety, and frustration, as I continue to face the consequences of the credit bureaus ' failure to fulfill their legal obligations. 

I firmly believe that the credit bureaus ' persistent non-compliance with the FCRA has directly violated my federally protected rights. Specifically, they have breached the following provisions of the FCRA :
Consumer complaint received 2024-05-24
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: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/year> @ Booked online ( 4 ) refundable tickets with XXXX for {$6100.00} via American Express. 

Date of Travel : XX/XX/year> - XX/XX/year> Later on XX/XX/year> called and spoke XXXX XXXX customer service agent XXXX XXXX requesting a refund of my refundable booking due to my lack of confidence in XXXX XXXX, system issues, and discovered bad reviews ... ..which said she that the booking would be cancelled and refund processed and to wait XXXX days, she also provided refund number # XXXX. 

After 15 days, I disputed the charge since no refund was processed as assured. 

XXXX charged my American Express with not ( 1 ) total charge, but ( 4 ) separate transactions equal to the amount of {$6100.00}. 

Since XXXX, I've spent several months calling, updating, and working with American Express to resolve the simple refund issue of ( 4 ) inaccurate charges.

At this point, American Express has closed/resolved about 75 % ( 3 of the 4 transactions ) of the dispute. But unfortunately, they have yet to resolve ( the final inaccurate transaction ) this dispute completely.
Consumer complaint received 2024-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

I bought an item from a merchant website. 
I paid with my CC.for the amount of {$2600.00}. when I received the item, it was nothing like the item displayed on the website. I contacted the seller and requested a refund. The refund was denied. I sent pictures of the item I received. The merchant only cared about me weighing the item. The weight was not in dispute, it was the item being fake and completely different to the website. I asked to send it back. It was denied. The seller admitted to XXXX  me over. And even said he would win if I filed a dispute with my credit card. I filed a dispute and received credit for the item. Then, capital one denied my dispute and sided with the seller. the seller sent only one email asking me to weight the item. And a picture that I received the item. I received a fake item. And the seller sent one email out of +80 emails. I provided capital one with pictures of the emails. I sent emails of the seller saying he would not refund me. He said I was XXXX  and to accept it. He said he didn't care I received a fake item. I even offered to pay for the shipping. Yet, capital one ignored all that and sided with the seller. The seller only showed that an item was sent and that I received it. And a picture of an email asking me for the weight. He didn't send the emails of me offering to return it. He didn't send email of me sending pictures of the fake item. Capital One sided with the seller when I had not even had the ability to send pictures of my emails. The seller literally wrote in an email he was XXXX  me over. And capital one paid him. Me having emails of the seller saying he didn't care, he refused to accept a refund multiple times, he refused to acknowledge the issue. And all because I didn't send a picture of the weight of the item. The weight is not the issue! It's that everything looked different and he admitted to it being different! Admitted to using a third party shipper. All that ignored! The pictures he gave capital one of his items are not even the same pictures on the Website! All of it screams fraud and capital one sided with him.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

In accordance with the fair credit reporting act XXXX, has violated my rights 15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting angency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for purpose.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (MA)

I got an email on XX/XX/year> from XXXX with whom I have a credit card, stating that there was a new credit inquiry on my credit report. I know I haven't applied for anything so I called XXXX and they are helping me through the fraud process. I looked up my credit report and it says there were two inquiries today XX/XX/year> froXXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I've never even heard of them. Someone else is using my SSN.
Consumer complaint received 2018-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I sold Litecoin and Ethereum on Coinbase on XX/XX/2018. I sold {$30.00} Ethereum and {$53.00} Litecoin. Both amounts were supposed to go into my XXXX XXXX account ending in XXXX about a week after XX/XX/XXXX. It has been almost a month and I have not received any money. I contacted my bank and they said they have not received any deposits from Coinbase. They told me to contact Coinbase and tell them to file a claim. Coinbase told me they will look into it and put a " specialist '' on my case. I have not heard from them at all. I have proof of all transactions and proof I have not received my money. Thank you for your help.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-10-27
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: Bliksum, LLC (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from 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
Consumer complaint received 2023-05-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOBEL FINANCIAL CORPORATION (CA)

I do not owe lobel financial any money. I do not have a contract with this company. Im requesting they stop reporting this negative item on my credit. Im requesting they ceast & desist and to only contact me by postal service. And since Im asking you to ceast and desist. You cant report any negative items on my credit. Delete this negative items ASAP. Or I will sue you In court. Fcra lets me to sue you.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I recently discovered that my credit report from XXXX was updated with several inaccurate late payment entries for my Capital One account, spanning from XXXX to XXXX. Previously, these entries were marked as " Unknown '' or " XXXX. '' These updates have drastically lowered my XXXX XXXX by XXXX points. I have multiple sources of proof that this reporting is incorrect. According to the FCRA, the burden of proof is on Capital One to validate and provide indisputable verification of these late payments. I request an immediate correction or removal of these inaccuracies.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Everytime I deposit a check into my checking account, there is a hold placed. One check was written from another Bank of America account. They placed a 10 day hold and didnt release a portion of funds. 

Deposited another check, they said available next day. Checked my account next day and find out their is a hold for 8 days. Called Bank of America and no one can give me any information has to why they hold my money for such an extended period of time.
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (ME)

The CBE Group mailed a debt collection notice for {$1000.00} from a mobile phone account that I never had. I called and they told me to reach out to XXXX. They confirmed that they had no debt on file and that they dont work with CBE Group XXXX I relayed this information to CBE and they told me I have to submit paperwork to prove the debt isnt mine. I cant submit anything because the account was never mine. And they wont send me the original bills from XXXX to verify this is a legitimate claim.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (DC)

I received a text message telling me that there was suspected activity on my Truist card. The text advised me to verify my transactions by clicking a link. 

I did not click the link. I called Truist and asked if they had sent the text. They said that there was no fraudulent activity on my Truist account, and that the phone number was not in their system. 

Phone number : XXXX ( XXXX ) XXXX Text message : TRUIST : Urgent! Suspected fraud transactions on your Card. Verify transactions now at XXXX XXXX XXXXXXXX to secure your account.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (MT)

XXXX  is reporting an accident on XX/XX/22 I was hit by a XXXX  driver shown in the police report and crash report, I uploaded in the document upload center. I was NOT at fault. This needs to be Corrected and shown that I was not at fault. A XXXX  driver hit me in the parking lot at XXXX XXXX in XXXX.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated (NY)

UNIFUND CCR LLC. 
I was told by UNIFUND paying agency XXXX XXXX XXXX that once I settled the debt, it would be reported as settled in full. However, a few days after paying the settlement, Unifund CCR reported a balance of XXXX to the credit bureau agency. When I contacted UNIFUND, they explained that it was their standard practice to hold XXXX and report to the credit agencies the hold payment as debt until it's cleared from the bank. I mentioned that I had not been informed about holding money during previous calls. When I asked XXXX XXXX from UNIFUND CCR LCC, when this would be reported to the credit bureau agency as settled in full, she said it would take two months. However, UNIFUND CCR LLC took only a few days to report to the credit agency that I owed them XXXX, which I did not owe per the settled agreement. This caused my credit score to drop within a few days. I believe this behavior is unethical.