davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

COMPANY TRANS UNION THAT WAS BUILT ON XXXX, HAS VIOLATED MY CONSUMER RIGHTS. THERE IS A FRAUDULENT ACCOUNT THAT WAS DISPUTED AND REMOVED IN THE PAST BACK ON MY CREDIT PROFILE. XXXX XXXX XXXX. XXXX XXXX XXXX WAS DISPUTED BEFORE IN THE PAST AND REMOVED. WHY HAS THIS FRAUDULENT ACCOUNT REAPPEARED BACK ON BY CREDIT PROFILE? COMPANY TRANS UNION ONCE AGAIN HAS VIOLATED LEGAL CONSUMER LAW 42 US CODE 408 - ILLEGAL TO ASK FOR SOCIAL SECURITY NUMBER. I HAVE SENT COMPANY TRANS UNION LETTERS TO REMOVE THIS INFORMATION OFF OF MY CREDIT REPORT BECAUSE IT IS MY RIGHT. THIS ( 15 US CODE 1681 e ( b ) - MAXIMUM ACCURACY AND 15 USC 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ). WHAT PERMISSIBLE PURPOSE DOES THIS COMPANY THAT WAS BUILT ON SLAVERY HAVE BY NOT HONORING MY REQUEST TO REMOVE SENSITIVE INFORMATION OFF OF MY CREDIT PROFILE? PLEASE CORRECT ALL ERRORS
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (MN)

XXXX Credit Bureau records show that my Chime credit card currently has a balance of {$650.00}. However, the correct balance is {$0.00}. I disputed the amount with XXXX Credit Bureau, but they said that Chime informed them I still owe {$650.00}. I disputed it with Chime, and they denied reporting that information to XXXX Credit Bureau.
Consumer complaint received 2023-09-18
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

This store credit card company will only take payment if I give them my personal checking account information and will not allow any other form of payment. Id like to know if it is legal for them to only allow payment by me having to give them access to my checking account? It seems that is illegal and consumers have the right to make a payment via a secured payment method.
Consumer complaint received 2024-05-18
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. (MI)

I Am a natural person I am a living human being I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681 And they violated my rights numerous of times I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX Account # XXXX Amount XXXX
Consumer complaint received 2023-11-08
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. (MI)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : 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: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NC)

Someone from XXXX and XXXX called my son and ex-daughter in law and left voice messages referencing case # XXXX stating they needed to get in contact with me or my attorney or legal action would be taken. I blocked my number and called the number and was told that they were collecting for Wells Fargo for a XXXX  unpaid purchase of a {$36000.00} vehicle. The address they had for the so called loan was not mine in 2006. They had the last XXXX digits of my social, my current address, and name of previous marriage. They told me they had sent a letter offering me a chance to pay $ XXXX to settle the debt. I did not verify my current address and told them I had never received any correspondence from them. I have never purchased a vehicle from Wells Fargo and the name they said the loan was in in XXXX  was not mine at the time. I asked what kind of vehicle it was and they couldn't tell me. They said they would further investigate. I told them they should have done that first. I ended the call by hanging up.
Consumer complaint received 2024-06-17
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. (FL)

" 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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX "
Consumer complaint received 2024-06-17
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. (MI)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-05-18
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (NJ)

On XXXX I submitted a compliant with the CFPB on Discover Card for them denying me credit with their company because on XXXX I submitted an application for a credit card. About XXXX to 1XXXX XXXX later I received an adverse action letter that was dated XXXX with the denial reason listed as : STATUS OF EXISTING/ PRIOR DISCOVER CARD ACCOUNT. Discover failed to give a reason of understanding for the adverse action letter, and may have committed fraud because in there response to the XXXX complaint they mailed to me a separate reason that stated about an prior account that I had with them back in XXXX of 2018 when the account was closed due to the following reasons : TIME SINCE UNSECURED LOAN OPENED , % OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON REVOLVING ACCOUNTS, LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED. The previous account never carried a negative history and I'm not understanding what the previous account being closed for the reasons above have to do with me applying for a new credit card especially given the fact that my credit profile has changed from XXXX of XXXX  until now, I never was in collections with Discover and the card had a XXXX balance. When I called XXXX at the XXXX XXXX XXXX XXXX XXXX and left a message for her to explain the reasoning, I never got a response back from her office.
Consumer complaint received 2024-05-19
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. (NY)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-06-06
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-09-17
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: FORD MOTOR CREDIT CO. (FL)

there are 4 inquires on my credit profile that i do not recognize, i have contacted transunion 4 times now about it and it still is showing on my profile. these inquiries are XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 I never attempted to get these accounts.
Consumer complaint received 2023-09-17
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. (GA)

In Accordance with the Fair Credit Reporting Act, XXXX  ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT 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
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi XXXX XXXX / XXXX XXXX  I'm not liable for this capital one original company, and i have never had any contractual obligations with this collection company XXXX. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please 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? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2023-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

I was with us auto sales but they closed down. Now I'm with westlake portfolio management my due is incorrect and they have proof of my current job and pay schedule and the fact that us auto sales changed my due date before they took it over. They also still have me paying for gap insurance which was in my contract they took over. If they don't honor my gap insurance then my payments should be lowered. There are also fees for car insurance added to my account that was already taken off by us auto sales. I've kept car insurance during my whole car note. I've spoken with two managers once on the XX/XX/23 and on XX/XX/23. They keep saying they are submitting it but no update. While still getting late fees and phone calls to pay. They also have my contract for the gap and proof that my due was changed.
Consumer complaint received 2023-09-18
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OK)

Coinbase is basically XXXX of only XXXX XXXX exchanges I can use legally, and XXXX has been under attack by regulators. It is already unfair that I am limited to these XXXX approved options, especially when I never once had a problem with XXXX XXXX or any other exchange before I was required to use these " official '' ones. They should be under high scrutiny as the only XXXX. 

Instead of high standard, Coinbase invited me recently to use their " Futures '' products, in " Advanced mode. '' This mode of trading is completely fraudulent compared to all similar offerings that use the same 'Futures ' term to describe their offering. 'Liquidation ' is happening at incredible rates, and significantly benefitting Coinbase to users ' expense. 

Their futures program is atypical and predatory : Users can not choose the term length of 'contracts, ' they can not choose the leverage rate ( XXXX is locked in and is high and dangerous ), ***and while they can not choose the leverage rate it does not display the liquidation threshold***. This is crazy. While I am not heavy into XXXX, I have used similar products from as early as 2018, and I *never* got results like I did with Coinbase 's XXXX ' product. The math doesn't work at all, and I checked with reddit and basically crowdsourced an answer to confirm. 

At XXXX leverage on a long contract, for example, the product should be liquidated when the price drops to basically 71 % of it's initial value + fees. However, XXXX of these contracts I purchased, *in which the liquidation threshold is hidden or obscured*, liquidated with less than 10 % overall price movement. For a XXXX leverage contract to liquidate at less than 10 % price movement, *regardless of the fees, * is XXXX XXXX. 

Within XXXX hours I saw this and immediately demanded Coinbase refund the XXXX contracts purchased, including the liquidated one. I have XXXX desire to use this product. Further, this is so bad it's like straight sabotage to the industry at a critical time when XXXX is supposed to grow for the halving. It is beyond negligent for Coinbase to launch this product and offer it literally to anybody, no matter what disclosures they offer.
Consumer complaint received 2023-09-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased a {$75.00} American Express Gift Card from XXXX yesterday for myself since I dont yet own a Debit card. So that means I spent {$80.00} on a pre-paid gift including the Activation fee. I went home and tried to spend my money at XXXX, XXXX, XXXX XXXX, XXXX. But nothing would work. Its really frustrating because I exclusively bought the gift card to use it on online purchases, but now XXXX cant even spend the money. I attempted to call the customer support number 3 times, they all told me that I couldnt spend it on specific stores since something about their policy. I asked if they knew a list or anything on where I could spend it and they told me that select online stores and some in person shops. Ive tried over and over to purchase something, but nothing would work. Also, nearly every time I tried to spend my money, it took away {$0.00} dollars from my total balance. Ive looked everywhere online and even tried to look for stores I could purchase stuff in, I really dont want to waste there {$75.00}.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XX/XX/XXXX closed never late on my credit report I never opened this account XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX account XXXX balance I never open this account XXXX XXXX XXXX XXXX  balance closed never late I never opened this account XXXX XXXX bank the XXXX date opened XX/XX/XXXX XXXX never late I never opened this account this is all on my credit report I dispute these 6 accounts with the fraud department report number XXXX experien fraud department number is XXXX my name is XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX my social security # is XXXX my address is XXXX XXXX XXXX XXXXXXXX XXXX California XXXX another account that is showing on my credit report is XXXX date opened XX/XX/XXXX closed never late experien told me to contact FTC.gov XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you can call me at XXXX XXXX XXXX Thank you
Consumer complaint received 2023-09-18
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. (NY)

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 XXXX XXXX XXXX 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 an 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. 

Despite several Attempts, Credit Reporting Agency Failed To Show Validation of debt And Failed To Send Dispute result Via USPS MAIL HAS REQUESTED, and keeps saying the account is verified with no documentation to back that claim up I demand this inaccurate account be deleted immediately.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Equifax is reporting two accounts for XXXX XXXX XXXX XXXX. This company is XXXX XXXX. Ive sent Equifax notification that the creditor has requested that those items be removed from my credit files. Equifax is still reporting both of these accounts. I am filing this complaint as another way to give Equifax the documentation showing that they should delete both accounts from my reports. I also attached an additional dispute letter. Please review the disputes. I faxed the same documentation to Equifax but Ill resubmit in this complaint to make sure its received.
Consumer complaint received 2022-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

Loan modification was to be completed XX/XX/2021. Company put incorrect interest rate. restarted modification. Loan was sold to a new party. Loan modification not completed. Credit report was hit as they moved all my payments to a separate loan for the new loan.