davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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. (SC)

I have disputed a collection on my account online and through certified mail with Experian for a collection called ( XXXX XXXX XXXX ) Everytime I get a response that it was verified without any proof of validation which I have requested multiple times..XXXX  and XXXX have resolved this issue but experian is refusing to follow the fair credit act and show me proof ... not once have I seen a verified signature of mine on any documents to prove I owe this debt.. this collection is hindering me from obtaining a loan and if it is my debt I require actual proof of signature. Some sort of signed document that shows its mine. Otherwise it needs to be removed immediately..
Consumer complaint received 2022-09-20
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. (NY)

Hello, my name is XXXX XXXX, a federally protected consumer and natural person. I am aware of ALL rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX. XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-09-20
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. (CA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-09-20
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. (CA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2022-11-17
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. (MA)

I want to delete the account XXXX  XXXX XXXX, I tried to taken action against them and was not successful in anyway please help me delete this account from my Consumer report. 
I did not open this account. 

Name : XXXX  XXXX XXXX XXXX open : XX/XX/XXXX Amount ; {$410.00} Name : XXXX  Date Open : XX/XX/XXXX Amount : {$190.00} THESE ARE NOT MY ACCOUNTS
Consumer complaint received 2023-08-09
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. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

On XXXX I accidentally initiated a debit card withdrawal in the amount of {$2700.00} on an old card on file with a Bank that was purchased twice and ultimately absorbed by XXXX XXXX  ) oddly enough they still let you use the old card, so the transaction went though. I put the transaction through haphazardly and when I reached out to XXXX XXXX  ( account since closed ) they said it's been rejected and will be returned to Coinbase. 

The transfer was initiated XXXX and has been rejected by XXXX XXXX  every single business day since. Coinbase blames the XXXX XXXX  and XXXX XXXX  has been unable to reopen the account or capture the transaction since it's from an old debit card. I've called several times and there's been instances where Coinbase was unable to find the transaction unless I provided the withdrawal number. I've called each business everyday and get the same resolve - Coinbase : Request sent to a specialist and check your emails. I've visited XXXX XXXX  twice and was informed there was nothing that could be done on there end including holding the funds and/or reopening the account. 

I've entered Coinbase tickets on XX/XX/XXXX and XX/XX/XXXX. 

This is all of my bill funds.
Consumer complaint received 2022-12-11
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: Maximus Federal Services, Inc. (IL)

In accordance with the fair credit reporting act U.S. DEPT OF EDUCATION/XXXXXXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I received a letter today from Bank of America stating that I applied for a XXXX XXXX XXXX card and a hard inquiry was made in my legal name, XXXX XXXX XXXX. I did not make this inquiry at all. I contacted the Bank and they started this process to have it closed down and also to remove the hard inquiry from my credit report. I additionally called experian and reported it to them as well. I began a 1 year alert program and they said that by filing out a police report or this site, I would be eligible for a 7 year alert program, which I would like, as this same thing happened to me a year ago.
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (OR)

I opened an american express blue business plus credit card in XXXXXXXX XXXX XXXX In XXXXXXXX XXXX XXXX the minimum statement balance due was returned from my business checking account auto-draft for insufficient funds. I paid the minimum payment due manually using a different checking account before the statement due date. 
Due to the returned insufficient funds payment, Amex cancelled my introductory 0 % XXXX and began charging me interest on balances at 26 % XXXX, even though I had paid all minimum payments due on schedule, before the due date. 
on XX/XX/XXXX I called amex to dispute the interest charged, and was told someone would get back to me after an account review. 
No one got back to me, and my most recent statement includes additional interest charged.
Consumer complaint received 2023-08-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Seattle Service Bureau, Inc (GA)

I was injured in XXXX i filled long trem XXXX per the XXXX XXXX  I filed for XXXX. in XXXX of XXXX  I was contacted about overpayment and settled this account for XXXX Now Im being contacted again for the same account for overpayment again for XXXX  money I recieved. they are claiming more overpayment in the ammount of XXXX and want to settle for XXXX I told the collector XXXX XXXX ( senior account manager ) at national service bureau to send me corespondence documenting the debt. I told him I wanted to have my attorney review for validity. He became angery and informed me that if I didn't respond today him and his client would take legal action against me.
Consumer complaint received 2022-12-11
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. (NV)

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, 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : [ XXXX XXXX : [ XXXX ] XXXX ENDING IN XXXX [ XXXX XXXX : [ XXXX ] XXXX XXXX ENDING IN XXXX Your company is clearly in violation of the law. 

Under 15 U.S. Code 1681a Definition ; rules of construction 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information Prohibition ( A ) Reporting Information with actual knowledge of errors, THE LAW CLEARLY STATES IN 15 U.S. C 1681a 2 ( A ) ( i ) ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please change the above late payments to paid as agreed on my consumer report ; this agency is in violation of 15 USC Failure to respond satisfactorily with changes of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collectors Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2018-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX, a dispute was initiated with XXXX Credit reporting agency and Transunion CRA regarding a collection that appeared on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I explained to the representative that I have been a victim of identity theft. This company excessively reports to the agency over 4 times within the past 15 days. The information reported has not been accuarately verified by XXXX. On XX/XX/XXXX, I spoke with Representative XXXX from XXXX, she is unable to provide the details of who from XXXX XXXX XXXX XXXX verified the account represented. I was not provided with the full name or spelling, address on the account. She states " we '' XXXX send the information that is on the credit report electronically, and the company responds back regarding accuracy, electronically. I asked to speak with a manager, XXXX said " that is not going to happen. ". I believe the account is being reported inaccurately and unverifiable.
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX I traded in a XXXX XXXX XXXX which I had financed with USAA to XXXX XXXX. XXXX XXXX issued a payoff for my loan that USAA received XX/XX/XXXX per their own admission and I was out the door with my new car. I called USAA canceled all necessary auto pays, and thought nothing of it. 

On XX/XX/XXXX, USAA charged out of my account via ACH a full payment for the auto loan that they had received a payoff for.

Upon speaking with customer service, I was told absolutely nothing could be done and I would have to wait XXXX days or so for a refund. My account with USAA is now currently negative, and will continue to accrue additional fees every day it remains that way. That money was meant to buy food and supplies for me for the next XXXX weeks and now I have nothing and no remedy.
Consumer complaint received 2022-12-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX of Birth : XX/XX/XXXX Capital One Account Number:XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re XXXX Closed credit accounts To whom this may concern, I am writing this letter in regard to my closed accounts reported to my credit report.

I recently became a XXXX Veteran of the United States XXXX and I just looking for an opportunity to provide for my children and be the model citizen that I know I can be. My wife recently died in XXXX which has caused a huge financial burden on my shoulders and also forced me to raise our XXXX children alone and me being diagnosed with XXXX earlier this year. Due to those circumstances, I was not able to maintain my financial obligations with certain institutions. I am currently in between homes, and I would like to provide my children with a more stable environment. While I have no way to pay off my debt that I currently owe, I am hoping to do business in the future with the companies that have closed in hopes to show them that I can be financially responsible. 

I realize the importance of making payments early or on time, and I also know that paying late makes your job difficult. I wanted you to know that I missed the payment on my account due to my wife passing away and me having to raise our XXXX children on my own. I am truly sorry for the inconvenience, and I know that this situation is no ones fault but my own. 

I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. 

If you are able to execute a goodwill adjustment, I can continue building my credit score and remain in good standing with your company. 

Thank you for your consideration and time, XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NC)

Over the past six months or so, I have written numerous times and have called requesting that my Personal Information be corrected for accuracy to avoid misidentification. I requested that reported name and address on credit report be corrected, per my submission of Identification Documentation, i.e., Driver 's License, Social Security Card and Auto Registration Card. Company has failed to completely correct my personal information, despite Identity Verification. Help!!!
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (NC)

XX/XX/22 I requested a stop payment for a draft from XXXX pay financial because they was drafting twice a month, instead of once. I've begged US Bank to monitor the situation, instead they ALLOWED XXXX  Pay Financial to drain my checking account so they could accumulate Overdraft fees... So now my account is negative and I can't open an account somewhere else.
Consumer complaint received 2018-12-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Complaint on Capital One bank : I applied for a 360 money market account with Capital One in XX/XX/2018. They were running a {$500.00} checking bonus promotion, and the requirements were to deposit {$50000.00} between XX/XX/2018 and XX/XX/2018. 

I made two deposits of {$25000.00} on XX/XX/XXXX and {$25000.00} on XX/XX/XXXX, and so the terms and conditions are met. 

On the terms, it did mention that it may take up to 60 days for the bonus to be deposited into the account. After the 60 days passed, the bonus was not deposited into the account. 

I contacted the bank today ( XX/XX/2018 ) on two separate occasions and received two drastically different responses on how I didn't meet the bonus requirements. Some of the responses even added new terms that didn't exist and contradicted one another.
Consumer complaint received 2022-11-25
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: EQUIFAX, INC. (KY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-09-21
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. (NY)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and date last reported is not accurate. This is ground for removal. They also stated XXXX account was deleted and it reported XXXX different times after they reported it deleted. They violated my rights. 


15 USC 1681 SECTION 602 I have a right to PRIVACY.

15 U.S.C 1681 SECTION 604 It also states a consumer reporting agency can not furnish a account WITHOUT MY WRITTEN INSTRUCTIONS. 

Also the credit bureau took more then 30 days to complete my investigation.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I began paying back my loans at XXXX a month from XX/XX/XXXX to XX/XX/XXXX and in XXXX they said my loan payment changed to XXXX dollars ... which it should have been the whole time but a " mess up '' happened. So as a struggling XXXX I paid more than I had to and they made me begin paying back loans not even a month after graduation.