davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Coinbase, Inc. (WA)

Coinbase has failed to report over 1.5 years worth of interest earned. 

XX/XX/2023 : Coinbase told me they were looking into the fact that the interest I was supposed to earn wasn't showing up in my account. 

I have emailed them several times since then and have recieved nothing but emails saying they have " escalated '' the matter. I have heard NOTHING from them since XX/XX/XXXX ( almost four weeks ago ).
Consumer complaint received 2023-12-18
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. (CA)

5 usc 1681 permissible use -never gave permission to furnish my credit report 1666b Timing of payments - Can not report a late payment on a open end Credit Account Section 602 States I have the right to privacy 15 usc 6802 obligations with respect to disclosure of personal information ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 usc 6803 Disclosure of institution privacy -At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (MI)

I have a parent plus student loan through AidVantage. I've made my payments on time according to the schedule - at least the minimum amount due. My balance has increased and nothing is being paid towards my principal since XX/XX/year>. 

My account was put on administrative forbearance XXXX through XXXX, not of my request. I am told that during that time I accrued over $ XXXX in interest and I must first pay that back, plus current interest, before any money will be applied to by principal balance. 

AidVantage says they can do this according to their promissory note. 

I called and the representative told me I would see an interest adjustment ( XXXX ) but when i talked to someone today they say the interest is correct and they will not adjust my account. 

I did not ask for a pause in payments and understood that administrative forbearance accrued no interest. AidVantage said I was in a ICR/IDR pause, but that makes no sense to me.
Consumer complaint received 2023-07-10
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)

I disputed the referenced accounts below and ask that they be verified and validated and they were neither verified or validated accurately. TransUnion is in violation of many of the FCRA laws which will be brought up in court if the errors are not corrected. Due to TransUnions lack There of investigating I want the accounts removed. The accounts have been reporting inaccurate information consistently and fails to do the right thing. According to FCRA all information must be ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX inaccurately reporting information and this is a violation of the FCRA and they can be fined or pay fees due to this. 

XXXX -inaccurately reporting information and this is a violation of the FCRA and they can be fined or pay fees due to this. charged off account consistently reporting a balance monthly also XXXX inaccurately consistently reporting information is a violation of the FCRA Credit usage - % credit usage unavailable Balance {$650.00} Balance updated XX/XX/XXXX Credit limit SO Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Professional debt mediation- consumer reporting agency failing to verify and validate also inaccurately consistently negatively updating information is a violation of the FCRA
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

To whom, It May Concern : Companies listed below we're not authorize to pull my credit and I would like these inquires removed from my credit reports. I've already reach out numeruos times now and they have failed to do anything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, 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. (FL)

To whom, It May Concern : Companies listed below we're not authorize to pull my credit and I would like these inquires removed from my credit reports. I've already reach out numeruos times now and they have failed to do anything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-28
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: Earnest Inc. (CA)

Noticed on my credit report a student loan for XXXX XXXX This is not mine. This was opened fraudulently using my personal info. 

I was notified by earlier this year that all of my personal info was stolen and is actively being used. This was the result of a data breach by the insurance XXXX XXXX XXXX.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MO)

I was called about making a payment and the person on the line told me that they could do a charge out for me i paid like {$1300.00} and the next month I received the bill i have continued to receive a bill I contacted the company they said they were going to do an investigation they have not got back in touch with me they canceled a report in this on my credit as a negative or I failures to pay When me and the person who called me about the payment had set up that one time payment that should have closed the account
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (NV)

After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : GM FINANCIAL XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.
Consumer complaint received 2024-06-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Received a BofA scam call and while looking at my account noticed a bal {$1100.00} on the equity line ( escrow ) this account has not been used in a very long time and called them and was told it was insurance charges because I didn't have home owners, I never had an escrow acct with it. I explained I always had and they said they contacted me by mail which I never received and they checked the communication was sent to the wrong address. I have never been contacted by them previously. I wanted to close it now because they said to show proof of insurance and it would be taken care of, we sent it by email to them, and same time provided insurance company contact information. My insurance company also sent it, they confirmed receipt of it, but have not credited it back so I can close this account and no one will update me or tell me what's going on. 
Called XX/XX/year> and several times prior to that, Last call was on XX/XX/year>.
Consumer complaint received 2024-05-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (CT)

I purchased a home in XXXX and had a first and second mortgage through XXXX. The loan ( s ) were sold in XXXX and I continued making payments to the new servicer. I assumed that the loans went to the same servicer since I did not receive notice otherwise. 
Last year I tried to get a HELOC and title showed the second loan. 
After much back and forth, I discovered it had transferred hands several times ( with no notice ). 
The servicer is now LOANCARE. I was able to speak to them directly to confirm they had the loan. When I spoke to them I told them that I wanted an accounting of the loan dating back to XXXX when XXXX sold it since I have never heard from anyone since then and I want to be sure the balance is correct and no fees have been applied from this gross mishandling of this loan. 
I have not heard anything. I was told they would look into it and it has been months. 
This loan has been mishandled for 13 years and it's holding me hostage from doing anything with my property. 
Anything less than a complete and forensic accounting of the loan dating back to XXXX is not acceptable to me. 
I should not have to beg a creditor to verify a debt and on top of that receive no communication or update. 
Please see attached communication from XXXX ( who had the loan before LoanCare ).
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (AL)

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 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CO)

Per XX/XX/XXXX statement Previous Balance {$12000.00} XXXX, XXXX. - {$13000.00} Purchases. + {$1900.00} Cash Advances {$0.00} Balance Transfer XXXX Fees Charged Interest Charged XXXX New Balance XXXX Opening/Closing Date Credit Access Line Available Credit Cash Access Line Available for Cash Past Due Amount Balance over the Credit Access Line Balance Subject To Interest Rate {$5700.00} Interest Charges {$110.00} Payment Activity. @ XXXX Cancel CREDIT CARD ( ... XXXX ) XX/XX/XXXX Completed $ XXXX XX/XX/XXXX Completed {$390.00} XXXX XX/XX/XXXX Completed {$9100.00} XXXX XX/XX/XXXX Completed $ XXXX From N/A ( ... XXXX ) XX/XX/XXXX Completed $ XXXX Credit Card XXXX XXXX internet based on 2 months PREVIOUS BALANCE!!? 

Interest can only be accrued based on amount borrowed and must calculate interest ONLY ON AMOUNT OUTSTANDING. 
Account paid OVER account balance! 
Balance XXXX on XX/XX/XXXX XXXX {$2500.00} XXXX Payment {$13000.00} XXXX Credit card company is charging interest based on the PAST 2 months average!! Of {$5700.00} for XXXX & XXXX average balance. 

This is against Consumer Credit protection act. 

Please advise how to proceed with this matter. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (NY)

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

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. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Consumer complaint received 2023-12-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pacific Credit Exchange Corporation (CA)

This Debt Was originally with XXXX XXXX XXXX who originally discharged the debt. Than without notice I discovered while checking my credit that XXXX XXXX XXXX bought the debt. I was unaware that I can dispute the debt and never received notice that I can dispute the debt along with I did not receive any verifying information of the debt.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Inquiry on my credit report does not belong to me. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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)

Took a look at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate.I was incarcerated for 10 years and never opened account with this company. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX finance is not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows cause to believe that the information is inaccurate. 

check attachments below
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX LVNV Funding LLC/Resurgent Capital Services XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Fraud/ Validation of Debt and Request for Proof of Contract Dear Sir/Madam, I am writing to dispute the alleged debt associated with your recent contract start dates of XX/XX/XXXX. I dispute the validity of the debt you claim I owe to Resurgent Capital Services/LVNV Funding. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that you validate this debt as per my rights under the law. 
According to your communication, you assert that I entered a contract with Resurgent Capital Services/ LVNV Funding on XX/XX/XXXX. I categorically deny any such agreement, and I have no record of any contractual relationship or communication with your organization. To address this matter promptly and to ensure legal clarity, I request that you provide the following information within 45 days of receiving this letter : 1. Verification of Debt : Provide detailed documentation validating the existence of the alleged contract reflecting my signature and the start date, including the complete payment history. 
2. Proof of Contract : Furnish a signed contract or agreement between myself and Resurgent Capital Services/LVNV Funding llc dated XX/XX/XXXX. This should include my signature and any relevant terms and conditions. 
Failure to provide the requested information within the specified timeframe of 45 days ( XX/XX/XXXX ) will be construed as an admission that Resurgent Capital Services can not substantiate the alleged debt, and I will take appropriate legal action as you all are committing fraud. Furthermore, I wish to bring to your attention that any attempt to report inaccurate information to credit bureaus, fraudulent representation of debt, or any other deceptive practices will be considered a violation of federal and state laws. Such actions may result in legal consequences, including but not limited to legal claims for falsification of information, fraud, and other relevant banking crimes. 
I trust that Resurgent Capital Services will handle this matter with the utmost diligence and provide the necessary documentation to validate the alleged debt. Your cooperation in this regard is anticipated. 
Sincerely, XXXX XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Continental Finance Company, LLC (NY)

Misleading advertising that I received was not honored. The email which was associated with my XXXX XXXX XXXX Credit Card stated that I was pre-approved. Had not noticed the asterisk associated with the email which was deceitful.
Consumer complaint received 2022-11-24
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MA)

Synchrony Bank, XXXX, XXXX and XXXX are reporting inaccurate information on my consumer report. Synchrony Bank didnt have permissible purpose to pull my consumer report on XXXXXXXX XXXX. This unauthorized inquiry was not authorized by me. I didnt apply for credit with Synchrony Bank or any other credit provider on XXXX XXXX. I have provided my Massachusetts state issued driver license as proof of my identity.