davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NV)

It is with great concern that I note your bureau 's insistence on reporting these accounts as accurate, despite a lack of sufficient evidence to support such claims. This raises serious doubts about the veracity of the reported information and its compliance with the Fair Credit Reporting Act ( FCRA ). I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I must emphasize that the burden of proof lies with the credit reporting agencies to substantiate the accuracy of the information they report. In the case of the late payment accounts in question, I have yet to receive any verifiable evidence confirming the accuracy of the reported late payment dates. The absence of such evidence leads me to question the validity of the reported information and its compliance with the standards set forth by the FCRA. 
COMENITY BANK/EXPRESS XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
In light of the aforementioned concerns, I hereby request the immediate removal of the inaccurate late payment information from my credit report. If there are any discrepancies or lapses in payment, it is imperative that the bureau rectify these inaccuracies promptly. I expect that the bureau will adhere to its responsibility of reporting accurate and up-to-date information, and any failure to do so would be a violation of my rights under the FCRA.
Consumer complaint received 2023-12-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (NV)

I would like to submit a complaint regarding inaccurate reporting on my credit report from Bridgecrest. This debt is a result of identity theft. This debt on my credit has been an extreme burden and has caused a lot of stress in my life and XXXX XXXX. I first noticed this debt on my credit in XXXX. Nature of Identity Theft : Opened an auto lease/ loan an in my name without my knowledge or consent. I have sent multiple letters explaining that I was a victim of identity theft and requesting evidence of any contractual agreement or documentation related to this alleged debt. Unfortunately, despite my earnest attempts, Bridgecrest has failed to provide any proof of such an agreement.
Consumer complaint received 2018-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, I sent coinbase {$2500.00} via domestic wire to fund my account. 
The account was supposed to be funded within a few business days. Account was not funded XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. Received reply. Told to wait. 
XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX :  Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. Received reply. Told to wait. 
XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX : Contacted coinbase about the problem by opening support case. No reply from coinbase XX/XX/XXXX: Contacted coinbase about the problem by opening support case. No reply from coinbase
Consumer complaint received 2024-04-16
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. (CA)

I Just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached the evidence. 

XXXX XXXX Location XXXX XXXX XXXX XXXXXXXX, VA XXXX Requested On XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/XXXX This inquiries has no permissible purpose to be o my report. Please remove this inquiries due to violation of 15 USC 1681b.
Consumer complaint received 2023-12-28
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. (MI)

I'm still floored by my inability to get dispute CASE XXXX fully reviewed. I continue to receive conflicting information from Citi. I called previously and was told I could amend my initial reason for dispute as none of the available options to select fit the issue. I have received multiple letters from Citi saying I could send in additional documentation. They provided a copy of the merchant 's response, which did not in any way even mention or rebut the partial disputed amount of {$450.00}. However, when I sent in my appeal as instructed, I'm now receiving form letters that don't make sense with the situation, indicating I have conflicting reasons for appeal so they can not help me. Per my discussion with Citi reps and previous communication, it appears this issue should have already been taken care of. I have never changed the reason for my dispute -- again, it's that none of the reasons available fit. 

UPDATED REASON FOR DISPUTE : Product description was inaccurate
Consumer complaint received 2023-12-28
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: NCB Management Services Inc. (SC)

I am not liable for this debit with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with NCB MANAGEMENT SERVICES, They did not provide me with the original contract as requested on multiple occasions from XXXX 2023.
Consumer complaint received 2023-12-27
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (OH)

I opened a card with Old Navy through BARCLAYS in XX/XX/XXXX, and today XX/XX/XXXX of XXXX. I called them to ask about my account because I was under the impression that it was closed because I had paid the balance over a year ago when speaking with them, they said they had no record of statements, and that my account had been charged off to XXXX  XXXX XXXX During this time I had never received any communication through Old Navy about my credit card or about my statements or my debt. Or notification that my account was being charged off. I didnt know that debt existed. XXXX XXXX XXXX. they gave me the phone number and I contacted XXXX  when speaking with their sergeant. This was the first time they had ever spoken with me. They had no statement records and had never contacted me to verify debt. I explained to them that they had never contacted me and they looked over my account and had confirmed that they had never contacted me or had never received a statement. They did not have my address email or phone number after speaking with them, they put a dispute in with their team, but my account was at XXXX dollars, Ive never been verified about this debt or communicated about it with.
Consumer complaint received 2023-12-24
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: AMERICAN EXPRESS COMPANY (CA)

I have XXXX Hilton Honor American Express XXXX XXXX cards, and XXXX of XXXX benefits is that there will be XXXX  Hilton Honor credits within the XXXX date, and you will have to check with the agent on how much credits you have left, it wont appear on the App nor the website. So I checked with the Amex XXXX on the web chat and request to check how much credits that I have left for the remaining of the year before I decide what hotels that I should choose so I can fully utilize my benefits, and according to the agents, both of my cards still have full XXXX credit remaining for the XXXX, I trust them so I choose to stay with the XXXX resorts in XXXX XXXX to enjoy my benefits for the remaining of the XXXX, however, after I completed my stay with XXXX XXXX in XXXX XXXX, Amex only credit me part of the part and stating that I have spent part of my credits, which I have no clue why the agent lied to me about my resort credits for misleading information.
Consumer complaint received 2023-12-24
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 (NV)

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
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. (FL)

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : 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 2023-04-28
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: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA. 
XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against First Progress for Violation of IRS Topic 431 - Cancellation of Debt Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First Progress [ Insert specific details about the creditor ], concerning their reporting practices related to the cancellation of debt, specifically in violation of IRS Topic 431. 

I recently became aware that First Progress has reported the cancellation of debt as income, which is in direct contradiction to IRS guidelines outlined in Topic 431. According to IRS regulations, canceled debts are generally considered income and are subject to taxation. However, there are exceptions, and taxpayers are allowed to exclude canceled debt from their income under certain circumstances. 

I believe that First Progress has erroneously reported the cancellation of debt as income, and this has led to inaccuracies in my financial records. It is essential to rectify this situation promptly to ensure compliance with IRS guidelines and to avoid any unnecessary tax implications for affected individuals. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure First Progress adheres to IRS regulations regarding the reporting of cancellation of debt. Additionally, I kindly request that you communicate with First Progress to rectify the reporting errors and provide clear guidance on the correct procedures to follow in such cases. 

Enclosed with this letter, please find relevant documentation supporting my claim, including [ list any supporting documents you may have, such as statements, letters, or other evidence ]. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation. If you require any further information or clarification, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your time and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (MI)

I fell behind in making my mortgage payments and have been repeatedly applying for mortgage modifications. I appealed a decision denying my application for a modification back in XXXX. That appeal was denied, but without addressing the primary reason for my appeal. When the XXXX denial appeal came in, I already had another modification application pending and I received that decision dated XX/XX/23 last week. I had until today ( XX/XX/23 ) to appeal and I filed my appeal today via email. The problem is this, and the mortgage company keeps doing it over and over : The mortgage company is performing a XXXX XXXX XXXX ( " XXXX '' ) calculation and the calculation is wrong for two reasons. One, they are not using my income in performing the XXXX calculation, despite the fact that their own explanation of how they calculate XXXX says that they are " required '' to input certain information when performing the calculation including the accountholder 's income. Then they turn around and say, but it you were denied, it may not have required an income calculation as part of the review and approval process. They can't say in the explanation of NPV calculations that they are " required '' to use my income and then turn around and say, well no, it wasn't required. Second, they are relying on a third party XXXX XXXX  for the value of the home. The XXXX XXXX is based solely on comparable sales in my neighborhood and nearby communities, and a single photo of the outside of the home. They've valued the home at {$420000.00} which is actually laughable at how inflated it is. Our home would be lucky to sell for {$320000.00}. The reasons for the lower value are explained in my appeal. I have a right to ask for a full appraisal and I did ask for that in my appeal.
Consumer complaint received 2023-12-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX the XXXX I was notified by the banker that I was denied for an account and for credit. I immediately went home to check my credit monitoring service and was unable to access my XXXX file. It was completely gone. 

I then proceeded to contact XXXX and was transferred to the office of consumer affairs and spoke to a lady named XXXX. She asked me if I had any knowledge of multiple inquires and told me there were several attempts to acquire credit using my social security number. She said she was seeing two different files for my social security number. I asked her the name of the other profile which she said she could not disclose. She did however give me a date of birth XX/XX/XXXX. I informed her that I was not in any way associated with that date of birth or profile and in fact was a victim of identity theft. Which caused me denial with the banking system. I was told by XXXX that I would be contacted within 30 days after an investigation was done. I was never contacted but did receive an alert that my account was available again only to see an XXXX point decrease and 4 erroneous hard inquires which are from identity theft. 

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal inquires and accounts from my credit reports. 

Inquiries : Capital One / XXXX XX/XX/XXXX Capital One Bank USA XX/XX/XXXX Capital One Bank USA XX/XX/XXXX Capital One Bank USA XX/XX/XXXX Derogatory Mark : XXXX XXXX XXXX XXXX XXXX I have spent time, money, and resources throughout the years working hard to undo the damage from the data beach. I also have previous complaints filed with the CFPB where nothing is ever done. The consumer has rights and protected under federal law. I have done my best to resolve matters outside of court. Please hold XXXX accountable. I have also attached a copy of my complaint with the Federal Trade Commission FTC Report # XXXX
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (CA)

I have been endlessly called by different numbers at all hours of the day over XXXX calls in XXXX day alone!! I am on the DO NOT CALL registry as of XX/XX/2022 yet I am still being called my rights and FTC laws are being violated by Trueaccord collection agency AKA, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  the calls are endless nuisance, telemarketing collection, agencies, calling me to collect a debt I do not owe! I have attempted to solve the matter by disputing the bill and requested validity of debt as of XXXX XXXX but the debt agency never responded to my request. I then have been bombed with calls from different numbers! All trying to collect a debt I do not owe!
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.