davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : Bankruptcy XXXX XXXX-discharged Filed on XX/XX/2017 Reference number : XXXX 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 this item 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 2024-07-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

I was charged {$570.00} by a company called XXXX XXXX XXXX XXXX  I immediately recognized this as a charge we did not make. I called Barclays and they shut down our card and credited the account. A month later they sent a letter saying the charge was legit and put it back on the card. I appealed and appeal was denied. I asked for proof and they sent me photos of the three items. ( Socks, shorts, and slippers ) The company is supposed to be in XXXX but there is no website even though I was said to order online. I also have put XXXX of charges thru this card last 90 days and paid in full each billing cycle. I have tried to hire local attorney but no interest. I will not be paying this charge. Please help. This is a Barclays Aviator Mastercard. Their number is XXXX
Consumer complaint received 2024-05-17
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2023-12-30
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: FIFTH THIRD FINANCIAL CORPORATION (SC)

I had been being billed from a company that i cancled there service the day after they didnt return results on a phone # search. 
For over 4 months i was not aware that i was being billed monthly.i called 5th 3rd bank to dispute the charge and to be issued a new card. 
They did not stop the company from billing my account for over 3 months.i paid 5th 3rd for the next three months while they were telling me i should while disputing the charge.

I told them that i cancled the credit card, that i dont want this co.to continue billing my card each month.i called them atleast 4 times lastly they told me that i had to get in touch with the phone # tracking co to stop the charges.which i already had done several months ago the day after they couldnt place the person associated with the #.

I paid 5th 3rd bank atleast {$100.00} after telling them for three months to stop.they dinged my credit for this.
Consumer complaint received 2024-03-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

I have been receiving calls and emails from COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I spoke to a representative who told me that I had a move out fee from an apartment complex called, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ). I assured them that I never lived at XXXXXXXX XXXX XXXXXXXX XXXX, I lived at XXXX XXXX XXXX. While they had the same address this is not who I rented from. They stated that XXXX ( current company ) is a sister company of XXXX XXXX. XXXX XXXX purchased XXXX XXXX and they are not affiliated. I also shared that I met the obligations of my lease. They told me that I was to give a 60 day notice of move out and I didn't so they charged me 2 months rent which was what was being collected. I asked for a copy of the lease, they didn't send it instead they sent a receipt with XXXX that had the same information they provided in their correspondence. I asked multiple times where they got their information from and they yelled they worked for XXXX XXXX and I owe them and hung up. This is my credit that is reporting this debt. It is invalid and WRONG.
Consumer complaint received 2023-12-29
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. (AZ)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1300.00XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX  XXXX  XXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1300.00} XXXX XXXX Balance : {$6300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$6900.00}
Consumer complaint received 2024-02-07
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. (NY)

TransUnion has not answered my very simple question and in the past they have claimed to mail me responses which were either never received or addressed. Please answer this XXXX simple question on the CFPB 's messaging system instead of claiming you will mail me an answer : Why did you sell my information to XXXX that was used to set up a false account that is now well in arrears? Especially due to the fact I had/have both credit freezes and fraud alerts in place.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-12-28
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)

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

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 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: EQUIFAX, INC. (GA)

I REQUESTED MY CONSUMER REPORT AND SAW THAT THERE WAS INACCURATE INFORMATION being reported that I as the consumer not notified about before reporting. On XX/XX/2023 I sent out a debt validation letter to XXXX XXXX XXXX the debt collection agency, and have not gotten a response since. I reached out to the credit reporting agencies after 30 days, requesting proof of the account, the method used, and certified receipts just proof as to why the inaccurate account was still reporting, I was told by the credit reporting agencies that the furnisher validated the account and its final as if I the consumer have no legal rights to my consumer file. The consumer agencies are ABOVE LAW by not following the law. All this back and forth without a solution has caused me XXXX XXXX XXXX, and financial stress.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-06-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

Opened account on XX/XX/24 and purchased XXXX dollars of shares. Less than one hour later over XXXX XXXX of my accounts of my shares were transferred fraudulently to an unknown account.I contacted COINBASE customer service requesting immediate assistance. Was on chat with them for 4 hours. They gave me XXXX resolution as my share prices dropped. They froze my account and would not allow me access to it in order to close it myself. Then an additional XXXX was charge to my bank account. They will not close my account as requested. They forced me to change my password 4 times just to take my complaint. I was told the issue was escalated and that I would be contacted within 24 hours with resolution and status of funds stolen. I contacted them again today and requested that they close my account and issue a refund of the XXXX. I was told that it could not be done until I was contacted by the department it was escalated to. Thes allowed my personal data to be breached and funds to be stolen from me and refuse to close the account. They have removed my access to the Account so that I can sell my shares and close th account personally. In the meantime my share values continue to fluctuate and lose value. This can only be done if I have access to the Account which they refuse do do unless I send a selfie in addition to picture of my DL front and back which I have done over 4 times already..
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (NV)

I have not been able to login to the Avant Credit Card website for several months. To pay my bill, I have to call and go through an entire verification process. I have asked each time why I can not login and they say there is no issue. However, from all my devices it says to many redirects and website is not available. They do not send me a statement and I have no idea if the charges are correct and what is on my account. this month I was a week late because I have been on vacation and didn't think about calling for the XXXX minute process of paying my bill. I would like to get a statement so I can review, payoff and close this account. I haven't received that either
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: EQUIFAX, INC. (GA)

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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-17
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Kohls credit offered me a generous percent off for using my kohls credit card. I said I didnt believe I had one and they checked my info and said I did and rang up everything. However, after the transaction settled, all of the lofty discounts that were promised no longer applied. 

The biggest issue is that I never received any bills from Kohls. I did receive XXXX phone calls that originated at XXXX AT NIGHT on XX/XX/XXXX and other nights after XXXX ) from a number identied as spam - I blocked it. However, researching the number I believe it was Kohls. 

They may say that they though I lived in California. However, I did file a XXXX change of address form and my transactions were in North Carolina.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MN)

My mother died on XX/XX/XXXX. I went to the Equifax site and looked at what was required to report her death. This is what is direct from them : XX/XX/XXXX Sent cover letter to Equifax, ( with my mother 's name, dob, dod and ss # ) XXXX XXXX XXXX, XXXX Ga XXXX along with a cert copy of the death certificate, copy of will to show I am her Co-Representative and copy of my DL and contact information. Address taken from the Equifax web site and info sent based on what they said was needed. Mailed at Post Office on XX/XX/XXXX. 

Today, XX/XX/XXXX, I got a letter from them listing everything they need, which includes everything I sent. I called them today at XXXX. After verifying my identity by providing my mother 's SS #, my SS #, my phone number and getting a text code for them, I was then told that I failed to submit a copy of my social security number. WHAT? I just gave it to you and verified it on the phone. Nope, want it mailed in NO, I am not doing another single thing. They did not ask for this on their website. They put me through a ton of contacts years ago when I had to go to the AG to stop them charging my mom in their protection racket. They were supposed to refund me monthly fees and never did. Kept " losing '' all of the information I sent them. Now, they are playing this game. My mother is DEAD and they have the certified death cert and all her info. Please make these people do their jobs. I have had it with these insane people. Their own website does not require a copy of my SS card and there is no reason for it. I do not trust them.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (TX)

Called to request Mohela adjust PSLF cumulative months as the total # payments made is not accurate - XX/XX/XXXX Ive solely been employed at institutions eligible for PSLF since XXXX, documentation has been submitted with job changes etc. 
My current loans with Mohela were eligible loans consolidated when my loan servicer changed. 

My total accumulative payments shown on my current loan is 54 months which is incorrect. 
It should reflect 84 months as I started my loan payments in XX/XX/XXXX and have consistently paid monthly since.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I closed my account with Bank of America approximately XXXX  years ago. When I closed it I paid the balance due ... .twice unbeknownst to me at the time. approximately XXXX  months ago I received a statement from BOA indicating the credit balance. I called them and they acknowledged the credit balance and said a refund would be in the mail within XXXX business days. Those business days came and went. Shortly thereafter I called again and was assured that the refund would be processed and send to me immediately and I would receive it in the mail within XXXX business days. Those XXXX business days have come and gone. 

This is ludicrous. 

Thank you.
Consumer complaint received 2023-12-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

XX/XX/ we requested a COVID forbearance due to loss of wages during COVID. We sent all proof and we were accepted into the program. Before we accepted, I asked several times if we had to pay this back immediately after the forbearance expired and I was told no, we could add that on to the tail of our mortgage and continue making monthly payments. Now they are insisting on either payment in full of XXXX or XXXX per month for the remaining balance. We couldn't pay the XXXX originally and our situation is not much better so we now have to try to make this work. Now although our first PaymenXXXX isn't due until XX/XX/XXXX we are being threatened with foreclosure letters, debt collection calls daily etc... If we knew that this was going to ruin our lives worse than COVID, we never would have proceeded with the forbearance.
Consumer complaint received 2023-12-27
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: 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. XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-07-02
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. (TX)

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX  XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Balance Owed : $ XXXX. late closed XXXX XXXX Balance Owed : $ XXXX. late closed XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$520.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX Balance Owed : {$4600.00} XXXX XXXX