davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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: EQUIFAX, INC. (MN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-02-23
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (TX)

I run a small XXXX. The majority of my customers pay me via pay pal cards. The majority of my transactions are small XXXX-XXXX-XXXX dollars. The last payment I received was for XXXX for a commercial job that I completed. Last week PayPal froze my account and will not let me transfer or withdraw my funds. I was not given a warning. There is less than 1100.00 dollars and I need the money to pay for material, gas, bills etc. I called PayPal and they told me I would have to wait 180 days before I can receive my funds because it looks like money laundering to them. I am extremely frustrated, had I known that this was even a possibility I would not have done business with them. I was given NO warnings that this was possible.
Consumer complaint received 2023-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (SC)

I had an account with Coinbase Pro. I forgot my password and kept trying to get in, but it always took me to Coinbase. After speaking with someone they told me my account was closed. And that everything was moved to Coinbase. I asked where the money was that was in my Coinbase Pro account, and they said they could see it but did not know how I could access it. They said they had to escalate the situation because they were not getting an answer. They explained I would receive an email in regards to this. That was days ago, and I have not received anything in response at all. I have no idea how long this account has been closed, they have made no effort to get any money to me, and I have been trying to get in for over a year now. The email address used is XXXX. That is the address associated with my Coinbase pro account that used to exist.
Consumer complaint received 2023-07-31
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (FL)

My name is XXXX XXXX,,,, fortiva credit card company is calling me at XXXXIhave asked them to stop calling me while im at work, home and on my free time and they will not, don't have a credit card with them..fortiva, calls me, this is very stressful, and XXXX... they will not stop!!
Consumer complaint received 2022-12-02
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. (AR)

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The accounts and other items that do not belong to me or that were opened without my consent are listed below. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$400.00} Medical XXXX Balance Owed : {$45.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. The FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a consumer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-12-02
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: Experian Information Solutions Inc. (NC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-12-13
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. (AZ)

I have contacted Chase multiple times via phone and email trying to get explanations/detailed calculations on my interest charges. I was charged interest during periods when I had 0 % balance transfer offers and should not have been charged interest, and also could not reconcile the " balance subject to interest. '' ( It should've been XXXX ) I contacted Chase via phone on XX/XX/XXXX and also via email on XX/XX/XXXX, and XX/XX/XXXX. 
I very clearly outlined my request and even attached screenshots. However, Chase blatantly ignored my requests and sent me generic responses stating they charge interest. 

This was a message I sent on XX/XX/XXXX : I am trying to find out why I'm being charged interest on these statements : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I can not figure out where you are getting the " purchases '' amount for any of those statements as they don't match up with anything. Most of my balances were/are 0 % payment plans or 0 % balance transfers. On the XXXX statement I had a charge where I didn't pay the full amount and would expect a slight interest charge on the XXXX statement, but I still can not make numbers match up. Can someone please let me know if your system has an error? And if there is no error, please show me how the purchase balance and interest was calculated on the XX/XX/XXXX statement, ( It says balance subject to interest was XXXX ) and also the XX/XX/XXXX statement. 


Here is their response : XXXX, The balance subject to interest is the average balance carried throughout billing cycle per balance segment : calculated by adding every day 's ending balance and dividing that amount by number of days within billing cycle. That amount is then used to calculate applicable interest charges using its respective APR. The details about how to calculate the interest charge and balance subject to interest rate are outlined on the back of your statement and in the Interest Charges section of your Cardmember Agreement.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT CALLERS INC (NJ)

Attempting to collect an alleged {$840.00} public utilities bill which was from the COVID-19 National Emergency Declaration and the state of New Jersey Declaration . The debt was handled by the LIHEAP  and was assigned a case number and processing info. 

The amount claimed was declared under the COVID-19 emergency and was NOT owed based on COVID-19 laws as well as communications which was sent to the utility company directly. 

No communication was made with CCI Contract Callers Inc., an independent third-party company that purports itself to collect debt for XXXX. No written communication was sent by CCI confirming their ownership of this debt as XXXX generally handles collections internally and will contact consumers first, but none of the above was done. 

CCI has attached itself to credit profiles and has added Grid Codes to the credit files in question and has not satisfied, in accordance with, the FDCPA and/or the FCRA their right to take such action which is a violation of both FDCPA and FCRA.

CCI is not known to have conducted any business with me directly and is unknown.

The debt in question falls within the protected COVID-19 emergency and extended emergency period within the State of New Jersey and is, therefore, exempt from collection efforts as it was assigned to LIHEAP.

CCI has many complaints for incorrect collection practices and is NOT an honest company as they are delinquent in paying their bills including employees which is a violation of State and Federal regulations.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX is reporting wrong address I have never lived at and when I try to dispute, they want to allow me to. they want to tell you who the information came from. But the information on the address is completely wrong. 

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 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 2022-11-03
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. (TX)

This is XXXX XXXX submitting this CFPB complaint to follow up the previous CFPB complaint I submitted. I sent a letter on XX/XX/XXXX requesting the Credit Bureaus to remove reported account that are UNKNOWN to me. I came across the law and and have read and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX and # XXXX, and I am including the following fraudulent accounts once again : XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX Balance XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$510.00} XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1600.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX XXXX XXXX Original Balance {$85.00} Date Assigned XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

I received an email notifying me that Cit reduced my credit limit down to the balance on my card. This gives the appearance that I have maxed out my Citi credit card. There is no explanation for this. I got this card last year after receiving a promotion in the mail for an interest free balance transfer. The only charge to this card was the balance transfer, which was about 30 % of the total limit they offered. My limit was {$9200.00}. I have not charged anything additional to this card. I try to keep my credit utilization under 30 %. I have never missed a payment and always pay more then the minimum balance. There is no reason for Citi to have reduced the credit limit, which will cause my score to decrease significantly. This will have a tremendous negative impact on my credit. The country is in a financial crisis due to COVID and I have done everything right. Thankfully, I still have my job.The same job I have had for almost 14 years. I have paid all my bills on time and have a 100 % on-time score. Ive never been late on any of my credit payments and have not asked for any kind of COVID forbearance. I do not know why they would treat their customers like this during such a trying time. Its going to ruin my credit. I just want them to increase the limit back to what it was. I have no plans of jacking the card up to the limit. I will even agree to not charge anything additional if that is what they are worried about if they will just increase the limit back to where it was so that it doesnt look like I maxed out a credit card. Quite frankly, how can this be legal. They literally have the power to ruin someones life without good reason. And Im trying to buy my home. This is devastating to my financial well-being.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act this creditors XXXX Capital One has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which are : XXXX, XXXX, and Transunion; did not modify or removed anything. I asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything. Per the FCRA they have violated my federal rights under the following laws : 15 USC 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer ( an individual ). and the person ( any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ). making the report ; 15usc 1666b which states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15USC 6802 ( a ) ( b ) ( c ) ( a ) 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. ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (SC)

A fee of {$140.00} was made on a subscription that I did not allow. I emailed the company to refund the fee. Amex would not contest it for me.
Consumer complaint received 2022-11-03
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. (NC)

Th

e Creditor failed to address the issue or even correct the problem. They are not following the Federal Emergency Guidelines laid out by the Cares Act. They need to remove my 2 late Payments on file as I was offered an accommodation to help me during the pandemic. The " Accommodation '' was the removal of my late payment fees. Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumers loan account to report the account as current unless the account was delinquent prior to the accommodation. 

On XX/XX/XXXX, the CFPB issued a policy statement highlighting furnishers responsibilities under CARES Act section 4021 and informing consumer reporting agencies ( CRAs ) and furnishers of the CFPBs flexible supervisory and enforcement approach regarding compliance with the FCRA. The CFPBs recent compliance guide seeks to clarify the information in the policy statement by addressing common issues concerning the provisions of Section 4021 :
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX ACCNT # XXXX XXXX ACCNT # XXXX