davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
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: Experian Information Solutions Inc. (PA)

According to the Fair Credit Reporting Act 15USC1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer XXXX have the right to make sure my private information isn't shared which is backed by 15USC6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or other wise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again with out my permission which is against the law 15 U.S 1681s 2 ( A ) ( 1 ) A states '' 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. 15U.S.Code168 1estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and Experian are not maintaining reasonable procedures. Also 12CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services.
Consumer complaint received 2018-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CO)

On XX/XX/XXXX and XX/XX/XXXX I bought {$700.00} of Bitcoin using the coinbase app. A {$100.00} and a {$600.00} transaction.

They double charged my checking account resulting in a {$1400.00} charge. When their customer service finally responded to me they told me to file a dispute with my bank. I did. My bank gave me the {$700.00} back, leaving me with my initial {$700.00} still left in Bitcoin. Everything was well.

On XX/XX/XXXX and XX/XX/XXXX, coinbase took {$700.00} worth of Bitcoin from my account and sent it to themselves. 

I have been trying to reach them ever since so that I could get my money back. The remainder of my initial investment is still in Bitcoin and I would like to withdraw now. One issue is that {$700.00} they took is now worth over {$1000.00}. They took XXXX worth of Bitcoin from me for no reason and I need that money back.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

I went to the bar with my friends last weekend XXXX XXXX XXXXXX/XX/year> ) and ordered XXXX drinks from the front bar at XXXX XXXX. I got there around XXXX. The first drink was a vodka cranberry, and it was {$10.00}. I tipped {$2.00}. This should have been {$12.00} total, but my card was charged for {$20.00}. I ordered another vodka drink, which was then {$13.00}. I tipped {$0.00} on this one, and yet I was charged {$23.00} when I checked my card a couple days later. This is clearly a case of the bartender changing the tip on my receipt and they were not very friendly either. I filed a charge back with my credit card and I plan on calling the business later today when they are open.
Consumer complaint received 2023-07-09
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: LEXISNEXIS (AL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-08-14
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. (CT)

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, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  : # 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 : 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 2016-10-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Iv'e been trying to get a loan mod since XX/XX/XXXX thru XXXX ( XX/XX/XXXX ) who assumed from XXXX ( XX/XX/XXXX ) & servicers afterwards ; XXXX & Nationstar , who all decline me on different reasons. Recently I discovered evidence of appraisal fraud when I bought home in which loan Originator XXXX Rep inflated value by $ XXXX which resulted in me overpaying & now facing Foreclosure auction in weeks.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I transferred money into my Bank of America current account on XX/XX/XXXX. My account cycle closes on XX/XX/XXXX. Bank of America held back those funds and cleared them on XX/XX/XXXX, a day after the close and charged me a {$12.00} maintenance fee. When I called to inquire, they said it was a clearing issue and refused to refund the money to me. I want my money back.
Consumer complaint received 2023-08-13
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. (LA)

I have spoke with transunion and I have attached the documents that they told me to send to them. I also sent it to them by certified mail. These fraudulent accounts are messing up my life. I have been denied credit because of these accounts. I have already invested in a credit monitoring so that I can immediately see if anything happens with my credit. This is me writing this trying to rectify they situation. I have included documents to verify my identity also
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Ever since XXXX XXXX, I have been unable to retrieve my credit report and score. Even when I pay for it, The different entities informed me that they are unable to retrieve my credit report. I have reached out to Equifax on numerous times regarding this issue, but no recourse. I have received nothing but lies, and continued lies. They tell me that they can see it, well, yes you can, youre Equifax! All I want is to be able to review my credit report, along with which ever entity I give permission. I have waited and worked with Equifax for more than a year. I think thats long enough for them to make this right. I now, turn to you for help, to resolve my concerns. Thank you!
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC (IL)

Subject : Request for Removal of Sold Charged-off Accounts from Credit Report I am writing to address a significant concern regarding the reporting of sold charged-off accounts on consumers ' credit reports. It has come to my attention that LENDING PT has been reporting charged-off accounts on credit reports even after the debts have been sold to third-party debt buyers. This practice not only violates consumer rights but also disregards established federal laws and regulations governing credit reporting. 
Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair reporting of their credit information. The FCRA mandates that information reported on credit reports must be complete, accurate, and substantiated. Furthermore, Section 623 ( a ) ( 4 ) of the FCRA specifies that if a debt has been sold, the original creditor must update the account to reflect that it has been sold and is no longer their responsibility. 
The reporting of sold charged-off accounts on credit reports violates the FCRA in the following ways : Misleading and Inaccurate Reporting : Reporting charged-off accounts as if they are still owned by the original creditor is misleading and presents an inaccurate representation of the consumer 's creditworthiness. This practice violates the requirement for accurate and substantiated reporting. 
Failure to Update Account Status : Failing to update the account status to reflect that the debt has been sold and is no longer the responsibility of the original creditor violates the FCRA 's requirement for complete and up-to-date reporting. 
Additionally, it is important to note that the Fair Debt Collection Practices Act ( FDCPA ) may also be applicable in this situation. The FDCPA sets guidelines for debt collectors and prohibits unfair, deceptive, or abusive practices in the collection of debts. Reporting a debt as if it is still owned by the original creditor, when it has been sold, could be considered a deceptive practice under the FDCPA. 
In light of these legal violations, I request that LENDING PT takes immediate action to rectify this situation by : Removing all sold charged-off accounts from consumers ' credit reports : All accounts that have been sold to third-party debt buyers should be promptly removed from the credit reports of affected consumers. This removal should include any associated negative remarks or comments. 
I expect Lending to comply with these requests within 15 days of receiving this letter. Failure to do so may result in legal action seeking remedies available under the FCRA and other applicable laws.
Consumer complaint received 2023-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (MO)

The following communication has been sent to Lending Tree in XX/XX/ when I was approved for a personal loan : " The Lending Tree results are totally UNACCEPTABLE!!!! Why on XXXX 's XXXX XXXX would I want a 32.99 % interest rate on a loan to consolidate credit card debt with an interest rate of 29.99 % THE POINT IS TO GET AN PERSONAL LOAN CONSOLIDATING DEBT AT A " LOWER INTEREST RATE '' YOU HAVE GOT TO BE KIDDEN ME? '' I refused the loan such that I have told reps not to contact me. I communicated we will not be doing business for any reason.

Recently, I looked into obtaining a mortgage loan working with different mortgage loan officers. Recently, I received phones again this week from Lending Tree trying to sell me products and services I do not want. The first call was when I was on vacation, XXXX  XX/XX/XXXX, such that the second call transpired today XXXX  XX/XX/XXXX. 

I am tired of these people harassing me asking about service 's pertaining to my personal debt. 

I do not need their help! I do not want their help! They are not to contact me for any reason. I have asked this of them over the phone, emails and through the XXXX. Now, I am resulting to use the CFPB. 

Please put a stop to this, as their services are not for me! 

Thank You.
Consumer complaint received 2023-07-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

XXXX. contacted right as the Citibank debt had come off my credit report. As an honest person and gullible as well, XXXX did a bad thing to me. They threatened me with legal action and then settled with me from {$3900.00} to {$1900.00} and XXXX payments of {$25.00} dollars. I made my payment every month and then they disappeared and then XXXX XXXX took over and the agreement that I have in writing was stated null and void. Is this not illegal?
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My account was frozen and closed due to a fraudulent transaction. I filed a claim because someone used my account number for a fraudulent transfer. So the claim was resolved in a few days so I tried to withdraw my money from Bank of America. They froze my account and closed it. They tried to make it seem like I was the perpetrator in this matter. I received a letter saying my account was closed and so front. So I was like okay no problem I dont want to back with this horrible company as we all may know already. 2 representative said I was sent a check once my account was closed. Which was 3 weeks ago from todays date. I called them today to find out my funds was frozen as they validate where the funds came from. Its obvious where the funds came from. It was a wire from my XXXX XXXX account that I closed in order to have one bank. The representative said I have to call the other bank XXXX XXXX to get the money back. Its not possible to file a claim on a wire. Especially on a closed account. The amount is {$6500.00} in which I need.
Consumer complaint received 2023-03-17
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: DISCOVER BANK (TX)

There is an inquiry on my credit report from DISCOVER FINANCIAL SER dated XX/XX/2022. I have not applied for any credit from Discover. I contacted Discover to check on this and was told they do not have any record of my name or social security number applying for credit on or about that date. Please have the inquiry removed from my credit report.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Firstly, I would like to bring to your attention Capital One 's violation of the FCRA, specifically 15 USC 1681s-2. This section outlines the duties of furnishers of information to consumer reporting agencies, requiring them to provide accurate and complete information. 
Prohibition of reporting delinquent debt without notice : Before reporting a delinquent debt to a consumer reporting agency, furnishers must notify the consumer in writing about the impending reporting of the debt .This notification should be given at least 30 days before the information is reported. THIS WAS NOT SENT TO ME. 
Additionally, Capital One 's non-compliance with IRS regulations is concerning. According to IRS guidelines, when a lender cancels or forgives a debt of {$600.00} or more, they are required to issue a Form 1099-C to the debtor, notifying them of the cancelled debt amount that may be taxable income. Despite the debt exceeding the {$600.00} threshold, Capital One has failed to fulfill their legal obligation to provide me with the necessary Form 1099-C, thereby violating the IRS regulations.NO 1099C SENT TO ME As defined by the irs even if you have not received a 1099c you must report cancelled debt as gross income.

The irs clearly defines a charge off as gross or ordinary INCOME. 
INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. 
By definition of the irs it clearly states a canceled debt or charge off is income, the reporting of this account as debt is INACCURATE. 
You are hereby put on notice you are furnishing inaccurate information. 
I demand the following actions be taken : Direct Capitol One to contact the credit reporting agencies and request the immediate removal of the charge off from my credit report, as it reporting inaccurately This inaccurate reporting not only harms my creditworthiness but also violates the FCRA 's requirement for accurate and fair credit reporting. 
This is a final opportunity to cure and delete this erroneous inaccurate account from my consumer report.
Consumer complaint received 2017-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (GA)

Acquired a merchandise loan with  XXXX   XXXX   XXXX  in  XXXX  of    2016 for { $2000.00}. The merchandise was returned  two  weeks after purchase, and been trying to get my final balance since the merchandise was return ed. Monterey Financial  handles the accounts and are the one reporting on my credit. I 've been back and forward with this company regarding this account, but company is very rude and insist the I pay them a balance of {$5900.00} for merchandise that was returned. I 've even contacted all   XXXX   credit companies but nothing seems to happen . Monterey Financial refuses to give final balance, and remove account from credit report.
Consumer complaint received 2023-08-14
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-03-02
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: EQUIFAX, INC. (FL)

My information has been compromised and used for identity theft. There are 3 accounts on my credit report by the names of XXXX XXXX, XXXX, and XXXX. Help me remove these accounts which are fraudulent off of my credit report at your earliest convenience please thank you.