davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (AZ)

In accordance with the fair credit reporting act this creditor has violated my rights. 

Under 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting 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 of any purpose.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (AZ)

I submitted a complaint through CFPB ( XXXX ) saying : The national recovery agency , acting as a debt collector, got in touch with me on XX/XX/XXXX about a debt of {$6700.00}. I followed the rules by reaching out within 30 days of being informed about the debt to dispute it and requested proof of the debt. The very next day, they claimed the creditor had sent proof of the debt back in XXXX, which I believe is not true. When I asked for that proof, they told me to go to the post office for it because they didn't have it. Essentially, they're refusing to give me any information and are keeping my account active without showing me any verification of the debt. In short, they haven't provided me with the necessary proof, and are keeping my account active even though I've tried to resolve this issue. 

The company pursuing it said : NRA Group , LLC is in receipt of the consumer 's complaint. Based on our records XXXX XXXX was sent documents establishing the debt, on XX/XX/XXXX XXXX However, as this debt at issue is, based on our records, the the debt is a repayment obligation from her employer, and therefore, an argument could be made that the debt at issue does not fall under the category of consumer debt, and as this debt could be considered not to be consumer debt, an further argument could be made that the debt in question is not covered under the Fair Debt Collection Practices Act ( FDCPA ) or be regulated by the Consumer Financial Protection Board ( CFPB ), and therefore no further response is required. 

and then closed my case. Why was this closed when it is not resolved? Them just saying we sent you letter is proof enough? I need proof of debt verification.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My right to privacy is fundamental. I have a right to choose what I want disclosed. However I did not consent to, authorize nor benefit from these inquiries listed on the XXXX XXXX report.
Consumer complaint received 2023-12-13
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. (VA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (DC)

The U.S. Government, Department of Health and Human Services, Program Support Center attempted to collect a debt from me but would not verify the debt, the amount owed, or tell me how to pay it. Yet the debt collections are now appearing on my Experian credit report and hurting my score. On XX/XX/XXXX I received a letter from XXXX ( scan attached ) that I was seriously delinquent on a debt to the government. This was the first letter I had received regarding this debt, and the letter did not give the amount owed or a method for repaying. It did provide a phone number, which I called, only to be directed to an inbox that was too full to accept messages. On XX/XX/XXXX, after searching an XXXX employee directory, I located the email address of a contact at XXXX XXXX, XXXX XXXX. I emailed her and she indicated she would ask XXXX for more information and provide it to me ( usually within XXXX hours ). I followed up several times and XXXX XXXX was still not able to obtain information about this debt. ( These emails are attached. ) On XX/XX/XXXX I sent a certified letter to XXXX ( attached ) which was received on XX/XX/XXXX and signed for by XXXX XXXX ( attached ), requesting verification of this debt. Once I finally was told the amount owed, I paid it in full immediately. 

Due to the fact that I was a ) not informed of this debt until it was sent to collections and being reported as delinquent on my credit reports, and b ) even after I was notified of the debt it took jumping through many hoops to find out how much I owed and how to pay it, and c ) once I finally got that information, paid the amounts in full immediately, these accounts should not be reported on my credit reports as delinquent. I have requested that they be removed and my requests have repeatedly been ignored. I want these delinquent accounts removed from my credit reports.
Consumer complaint received 2024-04-08
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. (IN)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-12-13
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

I do not know exact dates, but I can say the following. 

First time I charged something on the card I went online the date of the first payment was due and then saw that if a customer pays after XXXX XXXX, the bill is considered late. I was not award of that, so I talked to XXXX and they agreed to remove the late charge. It appeared to be removed but then I discovered so small change wasn't removed. AND then another late charge was assessed. I wasn't aware of that charge. Thinking my balance was XXXX $ I charged a blouse for a little over {$31.00}. Thinking to get ahead of the payment I went to the store in person and paid {$15.00}. I was then totally shocked, since I paid the {$15.00} dollars before the payment due date. I called to see what was going on, and they said that I didn't pay the minimum. I wasn't aware of a minimum and hadn't seen the bill before I made the payment. I requested this be removed, I was told it would be removed, but it was never removed. Now there are over {$120.00} in late charges for a blouse that started out to be a little over {$31.00}
Consumer complaint received 2023-12-13
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. (SC)

The company is XXXX I paid off of my accounts in XXXX theyve reported late for XXXX and XXXX. Ive emailed the appropriate credit reporting agencies with proof and I have yet to get a response. When Ive called XXXX in the past month representatives have hung up on me or said theyve put in a trouble ticket which XXXX I call the following weeks they have yet to provide me with any information and everyone I call I can never speak with someone in the back office thats supposedly handling my case. Meanwhile my credit score is dropping XXXX points every month since XXXX due to this error. I have provided evidence Ive emailed XXXX customer care and Ive mailed documents supporting the accounts as paid to Experian in which they have yet to fix these mistakes.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (AL)

Due to understand Equifax have a incorrect address on file allowing XXXX XXXX LL to report false information an illegally debt have anything know account number show to different amount XXXX XXXX XXXX paid another not have no knowledge of these accounts not just that I had to correct my date of birth to Equifax now XXXX credit report they allowing the same problem false account information due buying my data my personal information to collect a debt with a written statement an signature document an identification number on file provide by law government law they in violation of credit report agency consumer act requirements I requested everything should be removed an deleted from my report
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

Coinbase , Inc. account assets were fraudulently transferred by Coinbase based on fraudulent Send request by XXXX. This occurred three days following account hack XX/XX/2023 and prompt call to Coinbase, XXXX XXXX who confirmed the hack. 
Coinbase Support instructed change of password and change of Two Factor Authentication from XXXX to XXXX. 
The Hacker was not properly identified indicating Know Your Customer and Customer Due Diligence deficiencies ( XXXX XXXX XXXX  ) and was allowed to make changes to my account settings, process asset conversions, and transfer assets from my account, then delete account setting changes. 
Coinbase Security System failures failed identifying Red Flag items that should have halted fraudulent transactions to occur : Account holder did not authorize asset conversion or transfer.

Hacker accessed my account from a new IP address / VPN with a new unidentified device.

Asset conversions and transfers were inconsistent with account owner activities, which had not occurred prior to the hack. 
Fraudulent transfers were Sent to addresses not identified by the Account holder 's established White address list. ( only two addresses were identified by the Account holder ).

The asset conversions and transfers occurred following n
otification to Coinbase , Inc. and verification by Coinbase , Inc. Support of an Account hack.

This incident resulted in Demand for Arbitration through XXXX XXXX XXXX. There were approximately three months of attempted negotiations by a Coinbase , Inc. third party law from outside Arbitration in violation of the Coinbase , Inc . User Agreement Arbitration clause. 
This delayed the Arbitration case from moving forward as stipulated. Things now appear to be moving forward.
Consumer complaint received 2023-11-10
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)

I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (AE)

MasterCard Barclays offered me 0 % interest with no annual fee as a military member and I use their card exclusively for all my purchases, up until I received a letter dated XXXX XXXX, 2017. In this letter they stated that going forward they would no longer honor my annual fee waiver and that they would charge my account on the next month billing period. This loop hole that is being used to get out of XXXX is not very honorable. They recover funds every time I swipe my card. I understand that the card at 0 % is a great opportunity and I wish that they would not go to the extreme on service members to charge them this fee. I used this card everyday and now I face a {$990.00} charge or close the card and pay off the balance. Most members would be in a predicament under that constraint.
Consumer complaint received 2017-03-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

Ditech has been billing us approximately {$28.00} above the interest owed on a mortgage loan. If we pay above the minimum using the On-line service they do n't give an option to apply the extra to the principal. So they ( Ditech ) applies it to the next month payment lowering the amount due. The loan has a balloon payment that we are trying to reduce. We have been paying {$28.00} above the interest they are charging. If we mail it we have the option to apply extra to principal, but only if you write it in, otherwise they do n't apply it to principal, they reduce next months amount owed. Right I now have a bill due for {$6.00} on a {$13000.00}. at 8.75 % interest, with a balloon payment due in 5 years. If I was n't discerning would pay only the {$6.00} thinking I am getting ahead. When actually I will be getting farther behind. This practice is very deceiving.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MA)

For the months of XXXX XXXX XXXX I had a forbearance agreement with the Loss Mitigation Department with Cardinal Financial Company loan number XXXX for my mortgage. During this time remarks were made on my credit report of " partial agreement '' with an account balance increase each month during my forbearance period. My forbearance has since ended and I have made regular payments beginning XX/XX/2023. I have been told I qualify for a deferral putting the balance at the end of my loan which would make me current again. I have been told this paperwork should be to me within 30 days. Speaking with XXXX XXXX employee initials XXXX ) on XX/XX/XXXX I was approved for the deferral and would once again have full access to my Cardinal account within 30 days. ( again, documentation stating such should be to me within 30 days ). If I am still in active loss mitigation and have resumed normal payments and have a further agreement to put my missed payments on the end of my loan to become current again how is this company reporting XXXX missed payments now, as well as over the course of the last 6 months also reporting a partial payment agreement. They are tarnishing my credit score twice on the same matter. Furthermore, if I am approved for the deferral and the payments will be added to the end of my loan and I will be current again, how am I 6 months behind. This company is ruining my credit score and technically I am still in active loss mitigation. I thought they were helping me and this is nothing more than a nightmare. Once seeing this report on my credit score I called the loss mitigation dept on XXXX and spoke with XXXX XXXX employee initial XXXX  ) and she dismissed any concern and told me to send my concerns to an email address XXXX which I have done so and get no reply. My credit score has decreased over XXXX points for something I believe should not have. If they agreed to put my payments during the forbearance period at the end of my loan to become current again how am I now late? This makes it seem like I will be past due for the next 30 years. This is the worst company I have ever had dealings with. They are rude, dismissive and every single time I call I am informed something different that the next person has no idea what I am talking about.
Consumer complaint received 2017-03-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC (TX)

XX/XX/XXXX Received an email ( 1st contact ) at my place of employment from Direct Recovery Services ( XXXX almost 12 yrs now ) - I had a ChXXXX Bankruptcy cleared in XX/XX/XXXX. I have never heard of this company nor the named " original creditor '' ( XXXX ) - nor have I ever received any previous emails, voice mails nor USPS mailed letters to the effect. They ( DRS ) have used an address in the header which I have not resided, for over 8 yrs ( I have moved 3 times since, but cell phone number has not changed in over 10 yrs, and mail continuously forwarded via USPS ). This supposed debt has not been on any copy of my credit report that I can recall.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NC)

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED!

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX | XXXX - {$0.00} XXXX  | XXXX - {$0.00} XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX AND XXXX ) XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  | XX/XX/XXXX
Consumer complaint received 2023-12-13
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: CITIBANK, N.A. (CA)

On XX/XX/2023, I booked a house in XXXX XXXX XXXX for a trip in XXXX. I paid {$4900.00} on my Citibank Visa. I received a notification from XXXX the following day that my booking had been canceled by the owner. I contacted the owner by text message to the number that was provided on the XXXX website. The owner stated that it was a mistake and the listing had not been canceled. I sent them a screenshot showing the listing on my end being canceled and they said they would contact booking and find out what was going on. we both contacted XXXX and they said that they pulled their listing because of the fees with XXXX being too high but I could book privately with them and avoid those fees. I said I would be happy to do that but I would need my refund first and they said they would start the process and I would have my refund within seven days. I stayed in contact with them for the next several weeks waiting for my refund that never came and at one point after not speaking with me for a week or so the person at that phone number claimed they didnt know who I was. I gave all this information to Citibank Visa, along with the text messages that verify this information. Citibank Visa notified me yesterday when I called them to find out the status of my dispute that it was denied because I couldnt produce a credit slip showing the transaction. I explained to them if the merchant was committing fraud how would I be able to get a credit slip? They said they only way they could move forward is if I was able to produce that.
Consumer complaint received 2023-12-13
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: JPMORGAN CHASE & CO. (PA)

On or around XXXXXXXX XXXX XXXXXXXX, I filed a dispute for transactions noticed on my Chase Business Ink credit card account. There were a series of transactions made starting in XXXXXXXX XXXX XXXXXXXX through to XXXXXXXX XXXX XXXXXXXX. Totaling around {$18000.00}. 

Chase responded first by giving and temporary credit. Not soon after did chase retaliate by lowering my credit limit from {$16000.00} to only {$500.00}. Once I called to inquire the reason for the retaliation chase reversed ALL of the charges in dispute. 

I called and requested and spoke to not one but four different supervisors about these reversed charges. EVERY SINGLE representative I spoke with used a different reason as to why the charges were being reversed.

The first representative told me that I made some payments of the card there for I should have reported it sooner, I explained that I have an autopay system set up with my credit union that send out payment automatically, something I usually do for all of my credit cards when I first get them, as I am running a business and have more than one business credit card. 

The second representative I spoke with in XXXX told me that the charges were related to the type of business that I have. I explained that my business deals primarily in real estate but I recently registered it as a trucking business in XXXX. The charges were made prior to me even registering the business as a trucking company so there is no way those charges are mine. I said in fact I only registered it as a trucking company but it still to this day is not operational as that. I provided the Federally mandated website that lists all trucking companies registered in the United States which shows when companies were registered, if they have insurance, what kind of insurance etc.. Not one representative was willing to sit at their desk ( which they are doing already ) and click on a few pages to see the unbiased information listed on the federal website. 

Another representative I spoke with told me that some of the charges seemed fishy therefore ALL of the charges in dispute would be reversed. 

No one is willing to give a straight answer, everyone gave completely different reasons for these transactions being reversed, no one is doing a proper investigation at all.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.