davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

On XXXX XXXX I unexpectedly received a statement from my Home Depot credit card with a balance of {$100.00} with a past due amount of XXXX. I immediately contacted customer service to inquire why there was a balance as I had paid my balance in full in XX/XX/XXXX. The rep told me that the balance was late charges for XXXX, XXXX, and XXXX because my payment in XXXX was not posted until XX/XX/XXXX, two days past the due date. I asked why I was never contacted and the rep informed me that my account was set to do not call in XX/XX/XXXX, but could not explain who or why it was that way. During the call I reviewed my bank account and confirmed that the payment was delivered on XX/XX/XXXX. My bank debits my account once the payment is processed by the payee. The rep told me I could only mail in proof of the payment there was no other way to provide evidence, and I would continue to accrue late charges until the letter was reviewed. I asked to speak to a manager and was transferred over and over until finally the call was disconnected. The company never attempted to call me back to resolve the issue. 
I don't believe it is ethical to allow my account to accrue late charges and not contact me, or allow me to provide proof of payment by reasonable means when everyone operates in an electronic world these days. I am a senior living on fixed income and can't afford to pay {$100.00} of fees when the payment was received by the due date of XX/XX/XXXX. I feel this is unfair and an attempt to earn fee income.
Consumer complaint received 2021-07-07
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. (FL)

I am a victim of identity theft and I have accounts on my credit report that doesn't belong to me. I have discussed this matter with the credit bureaus in the pass couple months and I only received the same results, that they have verified the accounts as accurate but does not send me the consumer information on how or who verified the accounts as accurate. As a consumer I have a right to know who provide such false information because that may be the way this all has started.
Consumer complaint received 2021-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

My car was not even repaired he stated he refuses to do any business with me at all. Just because I made a complaint with the XXXX the attorney general office and the civil rights commission. XXXX took me for a ride. XXXX XXXX was part throwers. They was misleading. They was dishonest. They was ungodly. They was deceitful. They falsely misdiagnosed my car. First it was the coolant pump XXXX then the thermostat XXXX then the radiator XXXX everything they did on my vehicle did not fix the overheating problem. I gave them over XXXX dollars and My car is still not repaired and then to tell me to move my old car off their lot because we don't want to do business with you, after taking my hard-earned working money. I never told him to drop this complaint. If I have to get myself an XXXX attorney I will because I don't want this to happen to another woman in a lifetime. i sent all the proof to this credit card company to back up my excuse, and they closed out my case ... this is not fair and unjust Wed, XX/XX/XXXX, XXXXXXXX XXXX to me Ms. XXXX, As we have not heard from you, we are sending this follow up email to inform you that we request our loaner car be returned to us today XX/XX/XXXX by XXXX. If you have not complied with our request to return our loaner vehicle and arrange for transportation of your vehicle off our property, daily charges of {$75.00} per day will be accessed. We are not interested in doing any business with you at this time because we just heard you made a complaint with the XXXX. Per our email we sent you yesterday, we request you return our loaner car vehicle and transport your old vehicle off our property. We are requesting that you do this by XXXX today to avoid any daily charges for loaner vehicle.. 





XXXX XXXX XXXX Service Manager XXXX XXXX XXXX XXXX XXXX. 

XXXX Ohio XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX at XXXXXXXX XXXX Subject : XXXX XXXX To : XXXX XXXX Ms. XXXX, As we have not heard from you, we are sending this follow up email to inform you that we request our loaner car be returned to us today XX/XX/XXXX by XXXX. If you have not complied with our request to return our loaner vehicle and arranged for transportation of your vehicle off our property, daily charges of {$75.00} per day will be accessed. 



XXXX XXXX XXXX Service Manager XXXX XXXX XXXX XXXX XXXX. 

XXXX Ohio XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
Consumer complaint received 2021-06-25
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: AMERICAN HONDA FINANCE CORP (FL)

The following accounts and inquiries are not mine, please remove them from all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft AHF Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft AMERICAN FIR Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-07-07
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: Debt Recovery Solutions, LLC (OH)

On XX/XX/2021, DEBT RECOVERY SOLUTIONS added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am not responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, DEBT RECOVERY SOLUTIONS has violated my rights as a consumer, and I am requesting legal actions to remove this account immediately.
Consumer complaint received 2021-06-25
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. (AZ)

I am requesting delettion of Department of Educarion/ XXXX removed from my consumer report. Transunion, XXXX and XXXX had no written content from my and PER 15 USC 1681B ( a ) ( 12 ) in accordance with the written instructions of the consumer to who it relates. PLEASE ASK TRANSUNION, XXXX AND XXXX TO PRODUCE A CONTRACT IN AFFIDAVIT FORM SHOWING I GAVE THEM MY WRITTEN INSTRUCTIONS TO FURNISH THIS CONSUMER REPORT WITH XXXX ON IT. 
I am requesting this be deleted from my consumer report immediately.

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my righ t AND for Navient to be deleted from all 3 agencys, Transunion, XXXX and
XXXX
Consumer complaint received 2021-06-25
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. (AZ)

I am requesting delettion of Department of Educarion/ XXXX removed from my consumer report. XXXX XXXX and Experian had no written content from my and PER 15 USC 1681B ( a ) ( 12 ) in accordance with the written instructions of the consumer to who it relates. PLEASE ASK XXXX XXXX AND EXPERIAN TO PRODUCE A CONTRACT IN AFFIDAVIT FORM SHOWING I GAVE THEM MY WRITTEN INSTRUCTIONS TO FURNISH THIS CONSUMER REPORT WITH XXXX ON IT. 
I am requesting this be deleted from my consumer report immediately.

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for XXXX to be deleted from all 3 agencys, XXXX, Experian and XXXX
Consumer complaint received 2021-06-25
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. (AZ)

I am requesting delettion of Department of Educarion/ XXXX removed from my consumer report. XXXX, Equifax and XXXX had no written content from my and PER 15 USC 1681B ( a ) ( 12 ) in accordance with the written instructions of the consumer to who it relates. PLEASE ASK XXXX EQUIFAX AND XXXX TO PRODUCE A CONTRACT IN AFFIDAVIT FORM SHOWING I GAVE THEM MY WRITTEN INSTRUCTIONS TO FURNISH THIS CONSUMER REPORT WITH XXXX  ON IT.

I am requesting this be deleted from my consumer report immediately.

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for XXXX to be deleted from all 3 agencys, XXXX XXXX and Equifax
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

Abusive and deceptive practices regarding loan circumstances, unjust interest rates, deceptive business tactics, deceptive dealership consumer luring, using discretion with vital information in consumer regard, dealership being compensated after loan and payments being made. Misrepresenting finance-and-insure products as mandatory and hiding the fact they were there within the deals to buy the cars. Pretending to be third party companies within the contract such as XXXX and repair shops. Deceptive consumer reporting and refusing to show receipt of check from XXXX company as requested. They are in violation of Georgia Usury laws of maximum 7 percent.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc. (OH)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SCA Collections, Inc. (NC)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (MI)

I am completely disappointed with the fact that Harris & Harris, put this debt from XXXX XXXX XXXX on my credit. In the middle of a global pandemic, when not only I but the world population had been effected by massive layoffs. 
I was not only out of work for nearly a year, but could barely pay any of my bills, less alone a {$5000.00} ER bill from a XXXX XXXX that developed when I didn't have insurance. 

I feel that this unfairly has effected my credit and buying power during a time when not many people on the planet had control over their financial situations. Please have them remove this item from my credit report and give me time to recover from the pandemic by establishing a new job, then getting on some kind of payment plan with the hospital. 

This is wholly unfair and damaging. 

XXXX XXXX XXXX
Consumer complaint received 2022-05-27
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. (TX)

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. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Acct # 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 an account without my written instructions.
Consumer complaint received 2020-12-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I reviewed a copy of my credit report and show inaccurate information listed. XXXX XXXX account number : XXXX is show as a charged off account but this is an open balance of {$4700.00}. Also, the last payment date show listed is XX/XX/XXXX, but as of XX/XX/XXXX my payment history listed is showing an on time payment. How is this possible on a closed account. Per the FCDPA this account is in direct violation of the law.
Consumer complaint received 2021-06-25
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: Experian Information Solutions Inc. (TX)

i dispute a account online and i upload few documents and they keep saying it no good or i get a response saying they never got my documents and i sent it 10 times and it been over a week and days and i also mailed it and they never received it and they playing head games with me I'm just trying to dispute a XXXX XXXX XXXX XXXX XXXX account and get it removed and they refused to honor my documents and keep giving me the run-arounds ...
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I discovered that one specific account on my credit report was incorrect when I reviewed it. It is not permissible to fail to validate this reporting account as unverified information without providing proof. 

Please validate this account : XXXX XXXX XXXXXXXX Balance : {$21000.00} I already sent the necessary file in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, so please verify this account.
Consumer complaint received 2021-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (OH)

When I attempted to log in to my Coinbase account on XX/XX/2021 at XXXXXXXX XXXX  EST, I received a XXXX message through XXXX on my phone. I received this message and input the code. I was then taken to a " New Device Confirmation '' page. This was not unusual, since I had been directed to this page before, even while signing in on a recognized device. I checked my email, and at XXXX, I had received an email response for New Device Confirmation. 
I followed the instructions in this email. but when I input the link in the Confirmation page on Coinbase, I was redirected to a page saying that my XXXX settings had been changed. I did not authorize this change. I then received an email at XXXX confirming that these settings had been changed. 
I logged in to my Coinbase account using my normal account name and password, and again was able to receive the XXXX XXXX  message on my phone. However, when I accessed the account, I noticed that my prior account balance of {$1900.00} had dropped to {$0.00}. I then received notice from my email that two separate transactions had been made : one at XXXX for a transfer of XXXX XXXX ( {$1900.00} USD ) to the wallet address XXXX, and another at XXXX for XXXX BTC ( {$6.00} USD ) to the wallet address XXXX. Neither of these transactions were initiated or authorized by me, and neither of these addresses are addresses I recognize or own. My account was compromised, despite me taking all precautions with XXXX, and I have lost all of the money that was stored in my account. 
Every email I received was from a legitimate Coinbase email address, and all procedures I performed were on the Coinbase website. What I want to know is this : how and when will I be refunded for the {$1900.00} that was taken from my account? Please get this corrected ASAP or I will be contacting the Consumer Financial Protection Bureau to lodge a formal complaint against Coinbase for this unauthorized transfer of my account funds.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 
Additionally, FTC Advisory Opinion to XXXX XXXX XXXX ) states : " XXXX XXXX ( a ) ( XXXX ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX