davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
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. (GA)

In complaint XXXX for XXXX  XXXX  # XXXX charge off {$1200.00} with past due as of XX/XX/2024, XXXX  XXXX  # XXXX charge off {$960.00} with past due as of XX/XX/2024 XXXX credit # XXXX charge off {$1200.00} with past due as of XX/XX/2024, XXXX  # XXXX charged off {$2900.00} with past due as of XX/XX/2024. All these accounts have been updated on my Experian report as of XX/XX/2024 which violated my consumer rights because a charge off account are written credit off as a loss. The XXXX form eradicates the debt and l have never received. Experian keep updating my report as accurate in which is incorrect. See updated credit report. XXXX XXXX  # XXXX payment history is incorrect which violates 15 USC 1666b
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I transferd my XXXX money from XXXX to my coinbase acocunt on XX/XX/year>. The transaction XXXX  is XXXX and the receving address is XXXX. But i never receive it. When I contact the coinbase, they told me transaction was well received on their system but because the transaction was done with a channel which they don't support, the money can not arrive to my coinbase account. 
And when I ask them what can I do to have the refund or to debloque the money, they told me it's impossible and told me the money is " trapped '' in the blockchain. I request several times to access my money and ask them to send my money back, they just said the money is " trapped '' and they can send me the money back once coinbase developped and start supporting more new channel. I ask when, and they said they don't know. 

I tried to make a compiant on coinbase websiet but they make it impossible to make a complaint. 

I then understand Coinbase is a scam when I see other similar case on the internet.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (LA)

I demand a cease and desist of all illegal activity in pursuant of 15 USC 1692C ( c ) your corporation is in clear violation of the FDCPA as well as my rights as a consumer under the consumer protection act of 1962 they have not only use illegal communication tactics by illegally, furnishing my information without permissible purpose but also have used mediums of communication that are unlawful such as reporting of an alleged debt that they never properly validated or verified in pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

If the debt is not handled and removed from my report, I will have no other option but to file a claim, as stated in the consumer credit agreement any inaccuracy deceptive or unfair debt collection practices will be handled through arbitration I am giving your company the chance to fix this before taking those steps and measures but I will, if needed as its very clear in the agreement in which was not clearly nor conspicuously disclosed to me.
Consumer complaint received 2024-07-04
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: LEXISNEXIS (CA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for Capital One Spark Business Credit in XXXX. I was given an offer of 0 % APR for 12 months. I took advantage of that. I called Capital One to check when the 12 months expire and what is the last date to pay the statement balance in full, so that I do not get charges for any interest. They gave me a date of XX/XX/XXXX. I put a reminder in my Calendar to pay the balance in full on XX/XX/XXXX. But when I logged in XX/XX/XXXX, I noticed two interest charges on XXXX and XXXX. So I called them and they are saying that I was given the wrong information and there is nothing they can do to reverse the interest charges. I also said that all calls are recorded on their end. Why can't they pull the card records and investigate this and they said, they don't have the ability to do that.
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

Good Day, My card was used by someone ( {$290.00} ) for a flight ticket and chime does not want to credit it back. 
I totally disagree with Chime ' resolution decision since I am strongly convinced that my funds should be credited back to my account.
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

CashApp is aiding and abetting larceny by trick, theft of services, unauthorized debit, stolen funds, and breach of contract by allowing a dishonest client of our law firm to steal back legal retainer fee funds already and duly accepted and earned by undersigned complainant. They are also improperly inserting themselves, and taking sides, in a contract that they are not a party to. Their only role was to verify if the funds were authorized by payor, not if they were satisfied or not, as that is a matter for the courts.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently ensured that payments on this account are made promptly and never overdue. I'm puzzled by the reports indicating late payments. As per 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2024-07-04
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (CA)

Back in XX/XX/year> I purchased a {$2000.00} gift card from Home Depot in XXXX XXXXXXXX, California for a building project at home. This was to take advantage of their 0 % interest promotion. When I tried to use the card at my local Home Depot store I was told it had no funds. After a short investigation I was told from a store representative that the card had been used in New York. I was still holding the actual card and had never left California. I filed a fraud claim and was told they would open an investigation. They said that gift cards were like cash and it was not their responsibility if I lost it. I never lost the possession of the card. It was always under my possession so I told them it should be treated as fraud. Maybe an inside job since it was clear the cards number was compromised way before I ever tried to use it. I have purchased 3 large amount gift cards from Home Depot in the past and this was the only Ive had an issue with.
Consumer complaint received 2024-05-22
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. (PA)

Hello, I am reaching out regarding the following incorrect information Ive found listed on my credit report. I am a victim of Identity Theft, I most certainly do not recognize any of the charges, accounts, and inquiries Ive listed in this letter. I kindly ask that the unauthorized accounts that are listed below from my credit report to be removed. I did report the theft of my identity to The Federal Trade Commission, and I also obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I do thank your team in advance. Please take care. Thank you again.
Consumer complaint received 2024-07-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation (MD)

I was charged twice for a payday loan. It's been a week without any resolvement. It has taken XXXX charges out of bank account with nothing being noted on the app. The company acknowledges that I was charged twice but I still have no access to the money I desperately need.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 


XXXX XXXX
Consumer complaint received 2024-07-04
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: AMERICAN EXPRESS COMPANY (NJ)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-04
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: Affirm Holdings, Inc (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-22
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

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 investigate and correct from erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX
Consumer complaint received 2024-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (OH)

I have sent letters to request that the debt be verified or removed. The debt was not verified and was removed from my credit reports only to be sold to a different collection agency and is now back on my credit report again and I'm going around in circles.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-07-05
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: Mercury Financial Intermediate LLC (AZ)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX day of XXXX, XXXX Subject : Dispute of Incorrect Information on My Credit Report Dear ABSOLUTE RESOLUTIONS, I am writing to submit a formal dispute regarding inaccurate information that appears on my credit report. After reviewing the report, I have identified information that does not belong to me and is incorrect. I kindly request you investigate and rectify these discrepancies to ensure the accuracy and integrity of my credit profile. 

The incorrect information is as follows : [ ABSOLUTE XXXX XXXX XXXX  XXXX XXXX ] ] : [ I HAVE NO KNOWLEDGE OF THIS ACCOUNT ] I believe these errors may have occurred due to a mix-up or incorrect reporting. I have no knowledge of this account. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you initiate an investigation into these inaccuracies promptly. I kindly ask that you contact the appropriate data furnishers and request their investigation as well. It is essential to rectify these errors as they may negatively impact my creditworthiness and financial standing. 

As per the FCRA guidelines, I expect a written response from you within 30 days of receiving this dispute letter. Please provide me with the results of your investigation, along with any corrections made to my credit report. 

I appreciate your attention to this matter and your cooperation in resolving these discrepancies. If you require any further information or documentation from me, please do not hesitate to contact me. 
Thank you for your prompt assistance. I look forward to a timely resolution and the correction of the inaccurate information on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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. (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.

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 2024-05-22
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. (NM)

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 2024-07-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (LA)

I have been a victim of identity theft since I was XXXX of the fraud on my record is showing is in various cities in the state of Texas. I have disputed this several times on my own through XXXX, XXXX and XXXX.
Consumer complaint received 2024-05-21
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. (TX)

I am writing to address the inclusion of unauthorized accounts on my consumer report, which have been linked to identity theft. I never provided written authorization, including a wet signature, for their inclusion. This matter was recently discussed with your organization, and I am formally requesting the immediate blocking and removal of these accounts from my report.

The presence of these unauthorized accounts has caused me significant emotional and financial distress. They inaccurately represent my credit history and responsibilities, hindering my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights and seek resolution.
Consumer complaint received 2024-05-21
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. (IN)

I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.