davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliant Capital Solutions, LLC (NV)

Received letter from XXXX dated XX/XX/2019 advising Me to select courses and advising Me that, My Financial Aide Letter was received and that, I had {$350.00} in XXXX XXXX. I enrolled in XXXX  XXXX : Online class, Perspectives in History which I dropped as, I was unable to receive assistance from the Instructor. 

I did not receive any response back regarding the dropped class, not notice if payment due or the cost of the Class which was dropped. 

XXXX then place a derogatory mark on My Credit for {$960.00} which was removed and re-added with a New Date as it it were a New Occurrence and has continued to do so every time that, the item was challenged and removed. 

The item needs to again removed and the Creditor should NOT be allowed to continue to repackage the item with a New Date.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was scammed by someone claiming to be with Wells Fargo Bank and ended up having {$22000.00} wire transferred out of my account ( which I did not authorize ) and now Wells Fargo will not return my money.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (WA)

I tried to access to my online banking and the system gets crazy sending me the passcode, and on the second try the system said that my information in not recognized. 
I called customer service and they said they can not verify me ( didnt ask anything from my account or personal information ). 
Im not XXXX XXXX I live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I know my user ID and password so I just need to have unlocked.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by the XXXX XXXX, the platform XXXX XXXX using the domain XXXX which involved me making deposits for a total amount of {$270000.00} USD worth of USDT from my Coinbase account to fraudulent investment firm ( s ). 
I should also note that Coinbase has been charging me {$29.00} each month for Coinbase One although they blocked my Coinbase account 12 months ago.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank - Wrongful repossession under the following regulations UDAAP, Reg B, FDCPA, FCRA, Reg E, and " CARES act ''. There was a Discriminatory act and a Breach of Peace to the second degree. During the global pandemic XXXX XXXX XXXX life was impacted by Covid - XXXX. The Dodd Frank Act makes it very clear that it is unlawful for any covered person or service provider to engaged in an abusive act or practice. Huntington Bank did not give XXXX XXXX XXXX the deferments for her loan under the Cares Act. The unfair treatment was intentional and her rights were violated. This unfair debt collection practice caused XXXX XXXX XXXX harm which contributed to substantial injury. As a direct result of the wrongful conversion of the automobile, and because of the manner in which it was taken, XXXX XXXX XXXX has been caused to suffer embarrassment and humiliation in the community, and XXXX XXXX XXXX has been held up to public ridicule. Huntington Bank action in taking and converting XXXX XXXX XXXX automobile was willful and intentional, and malicious and with the intent to oppress and harass XXXX XXXX XXXX. As a direct result of the conversion of the automobile by Huntington Bank, XXXX XXXX XXXX credit has been impaired, and XXXX XXXX XXXX XXXX has been damaged.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

On XX/XX/XXXX I contacted Diversified regarding an account listed on my credit file in the amount of XXXX rounded off to XXXX on my credit report. Diversified responded by representative XXXX XXXX with a response that was not related to the account I was complaining about. There seem to be a misunderstanding on what account is being complained about. Please remove Diversified Consultants in the amount of XXXX from my credit file. This account is a result of identity theft. I have never had any dealing with Diversified Consultants nor the company XXXX in which you represent. I have never received a notification or validation from Diversified that this debt was owed or that it will be reported o my credit file. I wasn't made aware of this fraudulent debt until I check my credit file. I will also attach what was sent to me so the CFPB can see that they responded with something that was not in question to them. There is no contract bearing my signature nor any legal proof that I have any obligations to you. The alleged account is a result of identity theft and should be removed immediately.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

remove all negative accts and update as paid and agreed remove all XXXX addresses and all names except ( XXXX XXXX ) from report. non mailable addresses remove all names student loans should not be violating my privacy rights and posting transactional history on my consumer credit report family educational rights and privacy act 15 usc 1681 15 usc 6802 pursuant to the Privacy act of 1974
Consumer complaint received 2023-08-30
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX 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 sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-08-30
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 XXXX XXXX Account Number : XXXX has violated my rights XXXX OF ED/XXXX Account Number : XXXX has violated my rights DEPT OF EDXXXX Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account XXXX : XXXX has violated my rights DEPT OF ED/XXXX Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights 15 U.S.C 1681 Section 602A I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Consumer complaint received 2023-12-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc. (IL)

I made a purchase in XXXX from XXXX. I returned the item in store. To make the return you have to get in the app, get a card and double tap it on the payment screen which I did. I received an email about my order being refunded on XX/XX/XXXX but recently I went on the site and seen that I was still paying for the order Ive been going back and forth with Afterpay, providing them screenshots from XXXX showing the refund, photos of emails Frm Afterpay stating I would also receive a refund but they Dnt seem to understand that I may have been given a refund but I am also still getting charged. I just received a text message stating I have a payment due, for an order I returned!
Consumer complaint received 2024-07-20
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: CBC Companies, Inc. (VA)

CFBP, They are a Third-Party Credit Bureau that reports to the 3 major credit bureaus XXXX, XXXX, XXXX, im requesting that there company stop saling my personal information/ credit report/ requesting that they freeze my credit report and opt out all my personal information.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

On XX/XX/23 I applied to consolidate all of my direct loans and apply for the XXXX repayment plan through studentaid.gov On XX/XX/23 I am alerted my loans are consolidated, and I have been placed on the standard repayment plan, despite requesting an income based repayment plan. 

On XX/XX/23 I submit another IBR request application through XXXX. 

On XX/XX/23 I securely message Mohela asking for forbearance until my XXXX  plan is assessed. 

On XX/XX/23 I submit an additional XXXX request application through Mohela.
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (GA)

I owe this debt. Ive had it verified. I am trying to pay it off and cant get this company to respond to me. Ive left numerous voicemails and sent emails that are listed on their website. I need to pay this off so I can get my credit report fixed No one will call me back or respond to my emails
Consumer complaint received 2024-03-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (MS)

I went into XXXX with my drivers license and requested a contract along with previous bills the agent couldnt verify that information only thing he could see was an internet account was opened in my name and the bills were going to an address I never reside at! He recommended I dispute this inaccurate information
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

The account in question is with Capital One ( Walmart ). 

I had a balance of {$4800.00}, on my Capital One Visa. I made a payment, paying off the total amount of {$4800.00}, on XXXX XXXX XXXX. It was also posted to the account on XXXX XXXX XXXX. It posted as having come out of my XXXX checking account on XXXX XXXX XXXX. Today, XXXX XXXX XXXX, I attempted to use the card to make ax purchase and it was declined. The balance on my card was correct, but the available credit is stating {$32.00}. According to this information it was as if no payment had been made at all. 

I phone Capital One customer service. The first representative told me that my payment was " too large '' so they put it on hold and won't release it for 7 days. The payment was made via direct banking from the bank account. I work in online payments and I know that it only takes 24 hours for those types of payments. So Capital One thinks it can sit on our money for 6 extra days and draw interest while the funds are inaccessible to us? 

The representative sent me to an Account Specialist. The AS was impossible to understand. She couldn't even understand the basic account math I provided to her. Eventually she began asking me for my Social Security Number. I explained to her that I would provide her with my last 4 digits, but that she should already have that in information. Keep in mind that I already proven my identity several times at this point. I asked for the next level of support. 

After 40 minutes she finally transferred me to the Security and Fraud Department. This was more of the same, but at least this gentleman was easier to understand. In the end I never got the help that I needed. I guess they just figure that nearly {$5000.00} is gone from my XXXX Checking Account, but that's not really their problem. 

How can they just take {$5000.00} and have no more accountability than this?
Consumer complaint received 2024-03-18
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: Consumer Portfolio Services, Inc. (IN)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2024-03-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (GA)

This creditor has violated my privacy according to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681 section XXXX section XXXX also statesa consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC (TX)

I don't recall having a contractual relationship with this collection company WILLRUSH. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (FL)

I AM REQUESTING THE DISCLOSURES UNDER 15 USC 6802 THAT I GAVE DISCOVER BANK WRITTEN CONSENT TO SHARE MY UNPUBLIC INFORMATION TO ANY COMPANY. DICOVER BANK IS IN VIOLATION OF 15 U.S. Code 6802, 18 U.S. Code 1028A, 18 U.S. Code 894, 18 U.S. Code 242, and 15 U.S. Code 1681 ( a ) 4, as well as relevant state statutes such as Florida Statutes 817.568, I am asserting my consumer rights and bringing to your attention the following violations :
Consumer complaint received 2024-02-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (GA)

Southwest credit system did not send any notices about this debt. This debt was previously deleted from my credit report by the original reporter. Two months later it is reinserted with a different collector that didn't send my anything to try to pay the debt, verify, or validate it. They just parked it on my credit report. The credit reporting agency didn't attempt to validate or confirm the accuracy of this debt either just reinserted it in onto my consumer report. On the premise of 15 USC 1692g this should be removed from my consumer report immediately and not be allowed to be reinserted.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

Company refuses to comply and requests additional information on behalf of survivor. [ ] As explained in the section-by-section analysis of XXXX ( f ) below, the final rule requires a consumer reporting agency to provide written or electronic notice to the consumer within five days of reaching a final determination on a submission. The Bureau is implementing a multi- step process that a consumer reporting agency must follow when it receives a submission under XXXX ( d ) ( XXXX ). First, XXXX ( XXXX ) ( XXXX ) provides that a consumer reporting agency has four business days from receipt of the consumers submission to block items of adverse information identified by the consumer or their representative from appearing in a consumer report.The Bureau does not believe that this provision of the TVPA conflicts with section 605C or the final rule since section 605C, among other things, does not require an official certification from the Department of Health and Human Services ( HHS ) in order to block adverse items of information from a consumer report that resulted from having been trafficked.
Consumer complaint received 2023-04-25
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. (CT)

XXXX [ # XXXX ] Your company is in clear violation of the law. Under 15 USC 1681b -permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Did i give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. DELETE the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, which i will also be seeking {$1000.00} per violation for 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance -616. Civil liability willful non compliance.