davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (PA)

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. Act Name : XXXX  XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. 
To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following charged off account : XXXX XXXX XXXX - XXXX XXXX XXXX/ XXXX  XXXX XXXX XXXX/XXXX/ XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since this account is being charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. 
As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. 
Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. 
Thank you for your attention to this matter. 
Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Consumer complaint received 2023-07-21
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. (MO)

XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  To Whom it may Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on different credit reporting agencies for my XXXX XXXX XXXX account. 

Its showing 30 days late but I have documentation of payment with confirmation number below are 6 months of payments. 
XXXX XXXX {$270.00} XXXX XXXX confirm # XXXX XXXX XXXX. {$270.00} confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXX confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$310.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXX XXXX Confirm # XXXX I made a mistake in allowing automatic payments which the system didnt pull t I want you to know that I understand my financial obligations, and if it werent for fighting XXXX XXXX and got overwhelmed with everything, I do know that the automatic payment didnt pull the XXXX payment and I noticed 5 days after and paid it. I paid twice in XXXX as well to get ahead. If I paid on XX/XX/XXXX than it shouldnt be on my record saying Im 30 days late. I have all documentation showing pay dates. I was never late more than 30 days as it shows. 

My request is I am promised accuracy in my report based on federal law. I am making this cause an attempt to have these errors corrected on my consumer report under 15 USC 1681. All verified information must be promptly removed. As you can see in your system, you did not verify this information and validate it, so I request that you remove it. 

Thank you for your consideration
Consumer complaint received 2023-07-21
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX 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 2023-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Today, I received an email from a company called XXXX XXXX, a debt collector trying to collect a debt to LVNV Funding LLC. I clicked on the email to find that the debt is for {$130.00} and the original creditor was XXXX Bank with an account number ending in XXXX. The address they have on file is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have never lived there nor have I had that account or any accounts go into collections in 2015. I am not sure if this is a mistake or if I am being targeted for identity theft so I have been afraid to contact them and give them my personal information.
Consumer complaint received 2023-06-21
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

I never gave my written consent for the furnishing of this account. We will pursue {$1000.00} for this violation if the account is not deleted immediately.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In 2018 I had a bank account with Bank of America there were multiple charges done to my bank account that came over {$1000.00} and the bank refused to give it back to me. They said because I had the bank mobile app I shouldve realized it but at the time I had a large amounts of money being deposited in my account, and then money was going in and out, and my mother had just passed away, and I didnt know how to use the app I was still new to it.
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

Dear all. I would like to denounce you an issue that happened when i exchanged cryptocurrencies at COINBASE inc. and I loss 55 % of my capital due to its responsibility, without giving me an option to cancel that transaction. 

I have opened three cases about that issue to Coinbase help and support department, but unfortunately they have just sent me some typical general answers, without any focus to my issue. After that they closed the first two cases without explanation. The third one is still open but they have stopped communicate with me. The cases number are : 1.CASE # XXXX at XX/XX/2020 2.CASE, # XXXX at XX/XX/2020 XXXX. CASE # XXXX at XX/XX/2020 In details at XX/XX/2020 at XXXX ( XXXX ), I traded the amount of XXXX euros of DAI ( stable coin ) ( XXXX coins ) with a price of XXXX per DAI coin at the specific time ( XXXX ) in XXXX with the reference code XXXX transaction ( XXXX ). After the trading in the system XXXX mobile app and coinbase url ) appeared that I had only XXXX euros in XXXX,. That is meaning that dissapperead the 55,09 % of my initial amount of exchange or XXXX euros. As you can see at XXXX they calculated in their own decision with a value per coin DAI about XXXX, when at specific time and general time ( DAI it is a stable cryptocurrency ) the price was XXXX euros per DAI coin ( XXXX XXXX. I would like to inform you also that at the time of trading the XXXX was in an increasing phase and took about 500 % increased. 
All the images that i am sending you there are screenshots from the official coinbase app or site. Also for your checks i am sending you the XXXX that is the value of XXXX at the specific time. Of course you can check the same values at any site for the specific time. 
I would like to thank you in advance for the time that you are going to spend for my case, as also to resolve that issue that is illegal and leads to the lost of cofidence at a big company in US, the regulator of it and of course of the new economy market. 
Kind Regards XXXX XXXX
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My payment for capital one was due XX/XX/2022 for my XXXX statement. My payment posted XX/XX/2022. I realized I paid my balance ( {$1500.00} ) instead of my statement amount ( {$330.00} ). Capital one would not refund the amount to remake a payment and I was told I could only do a stop payment with my XXXX bank. Then redo the payment. I issued a stop payment to XXXX XXXX XXXX 2022 same day. The stop payment went through XX/XX/2022. I called capital one to make a payment on my XXXX statement of ( {$330.00} ) XX/XX/2022. My statement for Capital one at the time did not reflect the change in balance. I was told there system could not accept a payment because my balance still showed {$0.00} owed. They told me ( multiple supervisors ) that I would need to wait till Monday XX/XX/2022 for it to reflect the proper balance for me to make a payment on my XX/XX/2022 statement. I was told my interest would be subdued for those 5 days of being late for XX/XX/2022 statement. They also would take off the late payment XXXX called back XX/XX/2022 to make a payment on my XX/XX/2022 statement due XX/XX/2022. The balance for Capital One still reflected {$0.00} payment due and they could not take payment. I called the next day XX/XX/2022 and still my balance reflected {$0.00} payment due and they could not accept payment on my XX/XX/2022 statement due XX/XX/2022. XX/XX/2022 Capital One created a new statement for XX/XX/2022 rolling in my XXXX statement balance plus additional balance, charged me interest for past due, blocked my credit card until minimum payment made. There system was rigged to keep me from making a payment and worked against me as a customer to fulfill my debt and put me at credit risk.
Consumer complaint received 2023-06-20
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. (MI)

I was never late. I paid my first and second payment through my bank. XXXX started calling me in XXXX along with letters demanding a money gram even though my payment cleared my bank. I have paid every month up to date. XXXX ordered a repossession of my vehicle unless I paid cash through a money gram. They took my Jeep to an XXXX XXXX in XXXX Michigan. I had yo get an XXXX to go pick it up and pay cash. XXXX keeps changing my credit file. And payment history. They add charges, late fees and dont explain what they are. I have all receipts of my payments. 

This is not right.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (FL)

I closed the account but the merchant has it as a charge off. This needs to be updated and fixed. 

I am a victim of the Florida flood and the creditor agreed to remove this negative account off of my credit report. The creditor is violating FCRA Section 604 and 609. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. 

I only used XXXX $ off the card and the card company charged me over {$200.00} in fees. I called them several times to work out the fees since I am in Florida and keep going through natural disasters. Now they say I owe {$540.00}. I am willing to settle for the amount I used only and not the crazy fees. I will pay {$280.00} to satisfy the account with them but no more than that.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-07-21
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. (LA)

I am a victim if identity theft I went to file a report with the FBI in XXXX Louisiana in XXXX. I gave them a potential suspect nothing was ever done about it. there accounts on my credit report that I did not authorize nor do they belong to me.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

15 USC 1681 section 602A .States i have the right to privacy to the following accounts Account name Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602A .States i have the right to privacy .5 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

15 USC 1681 section 602A .States i have the right to privacy to the following accounts Account name Account number 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 XXXX15 USC 1681 section 602A .States i have the right to privacy .5 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-10-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (FL)

On XX/XX/2022, I applied for a personal loan through OneMain Financial Reference # XXXX. Shortly after finishing the application, I received an email that stated I was denied but there was no explanation. Because I was not sent an adverse action letter, I reached out to the company and on XX/XX/2022, I received an email that stated : 'the specific reason ( s ) your loan was not approved at this time is : Incomplete Application. 

In order to mark the application done, all fields that were deemed required had to be filled out and they were. OneMain Financial did not give me the opportunity to give them who they could get a consumer report from, they also didn't give me the name of the consumer reporting agency that they used. All of this information should have been in the communication that they sent, but the only information that I received was that it was an incomplete application. 

OneMain Financial requested that I call their XXXX XXXX XXXX XXXX XXXX at XXXX, and I have several times, but I have not received a call back. I am stressed out and feeling as if they are ignoring my concerns. 

Because of the violations I actually was unable to take care of personal matters due to OneMain Financial withholding the use of me extending my own credit. 
OneMain has violated the Equal Credit Opportunity Act.Pursuant to 12 CFR 1002.6 ( b ) ( 6 ) they never gave me an opportunity to present any information to indicate that the credit history being considered by OneMain Financial does not accurately reflect my creditworthiness. 
They have also violated 12 CFR 1002.7 Rules for extensions of credit, OneMain Financial shall not refuse to grant an individual
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX credit monitoring alerted me that there was a hard pull on my credit report via Transunion. I set up an account with Transunion hoping to dispute it but unfortunately you can not dispute an inquiry online. It suggest that you call that business, well guess what, that phone number is not valid. The hard inquiry was done on XX/XX/22 by XXXX XXXX via XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX phone XXXX individual inquiry type and the permissible purpose is credit transaction. I called the phone number multiple times and it just hangs up on you. I alerted Transunion about this and they haven't done anything about it and it's still on my credit report. This is fraud written all over it. Please help.