davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

With my BestBuy Citi Credit Card ending ****, I have made a purchase at a BestBuy store on XX/XX/2021 for {$800.00} to be paid in 24 monthly installments with no interest or fees. My next statement in XXXX included the whole amount, but I didn't suspect anything wrong as it was the true amount I owed, and it showed in my promotional purchases section of my statement. However, the total amount was not spread over equal payments, and somehow, I paid not all but most of this purchase along with the remaining expenses on my account for the period. 

The total statement balance of {$970.00}, including the purchase in dispute, was paid on XX/XX/2021, because I had my instructions to make full statement balances on due date. On the other hand, I still owe {$160.00} on promotional balances, which should be only 1 ( one ) installment less than the total purchase, around $ XXXX I contacted various customer service representatives, and until the last one, they all argued the system withdrew all the money owed from expenses because I had Full Statement Balance pay instructions, and Citicards didnt have an option to separate and calculate installment payments from the rest of the balance, which sounded meaningless. Multiple CS representatives told me that I should calculate how much I wanted to pay on each month and put that into payments or change my monthly payment instructions to Minimum Payment, which would create interest charges on my expenses outside the Best Buy promotional purchase in dispute. 

Getting into an installment pay plan and then having required to calculate your next payment each term is not making sense, and there is obviously a mistake here that customer service doesnt want to understand. Unfortunately, there is no available authority fully comprehensive at BestBuy or Citibank to reach out for the dispute, so I have no other option to report this promotional delusion on all levels of complaint departments.
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Unauthorized transfert of my money XXXX from my Coinbase account XXXX $ I reached the customer service directly by phone them by email to reverse the transfert but unfortunately they just improperly and unreasonably stops my account and wasnt able to access anymore to my accounts and funds, ... I file a complain to the FTC & CFTC XXXX
Consumer complaint received 2022-11-01
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. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (TX)

In accordance with the Fair Credit Reporting Act. XXXX Accounts : XXXX. Global Lending Services # XXXX XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. 
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 an account under an open end consumer credit plan as late for and purpose.

Also, ACCORDING TO 15 USC 1681a- Definitions ; rules of construction.

( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; ( LATE PAYMENTS ARE CONSIDERED TRANSACTIONS ) Therefore should not be reported to a consumer report.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (CA)

Comenity Bank ( Victoria 's Secret Credit Card ) failed to notify it's customers of system issues and not properly report account updates on a monthly basis. It took the company XXXX months until the XXXX reporting credit bureau 's were notified of an active/positive credit use. I lost out on purchasing a new home/vehicle because they failed to report on time and kept my account on pause for XXXX months while I made monthly on-time payments.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX .... Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$19000.00}
Consumer complaint received 2021-12-20
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX, I attempted to pay off the balance of a loan in exchange for the contract and remaining balance of the loan. I requested this information by XX/XX/XXXX. I did not receive a response. I sent another letter on XX/XX/XXXX extending the offer to XX/XX/XXXX. My letter was still ignored, which translates to the company refusing payment. On XX/XX/XXXX, I sent letters to XXXX, Equifax, and XXXX informing the reporting agencies of the past mistakes of the company such as misreporting, and repossession of my vehicle. XXXX XXXX XXXX is now reporting a delinquency to the credit reporting agencies. I sent the credit reporting agencies copies of the letters and certified mail receipts to investigate. I was informed by the XXXX dispute representative that they sent over the documents to XXXX, opened an investigation on XX/XX/XXXX, and closed it on XX/XX/XXXX because XXXX verified the information they were reporting was correct. I was also told by the XXXX dispute representative that they DO NOT have to obtain proof from the furnisher regarding any item that is disputed by the consumer, as that IS NOT their job. XXXX XXXX XXXX verified the information to be correct without providing any proof adverse to the documents I sent in for the item to be removed from my account.
Consumer complaint received 2022-01-02
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: LEXISNEXIS (OH)

I sent Lexis Nexis a letter requesting a copy of my credit file they have of my and its been almost XXXX months and I havent received anything. I need this to dispute all alleged information they have of me. 
Lexis Nexis is furnishing information they have no permissible purpose to furnish. The court nor myself has given Lexis Nexis permission to take any information about me and furnish it with any credit agency. I also froze any alleged account Lexis Nexis has with me but somehow they are continuing to furnish alleged information about me and allowing other credit agencies to access this alleged information. Which is defamation of my character and identity theft.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2023 I received from my credit union Navy Federal Credit Union request. for a piece of information on the loan title for account # XXXX. We have complied with all the document navy federal requested. NFCU is requesting that the title be sent to them from the company XXXX XXXX XXXX XXXX XXXX. 

We call XXXX XXXX also Texas human and health services and I was told that all information needs to be addressed with NFCU and XXXX XXXX. XXXX XXXX sent an email stating the title was sent to NFCU. 

Letter is attached
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, This is in response to the letter I received from your company in XX/XX/2023. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. The agreement bearing my signature stating that I have agreed to assume the debt. A complete and correct social security number that may help identify me as the party you are collecting from. A copy of the government issued Identification presented to incur this debt. Valid copies of the debt agreement stating the amount of the debt and interest charges. Proof that the Statute of Limitations has not expired. Complete payment history on this account along with an accounting of all additional charges being assessed. Show me that you are licensed to collect in my state ; and Your license numbers and XXXX XXXX. A purchase agreement or assignment from the original creditor to your company. Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Not only is this debt being reported inaccurately but it is being reported as an open collection with XXXX while it reports as a closed collection with the other bureaus. Also my XXXX report shows no collections but has this account listed under revolving accounts.
Consumer complaint received 2022-11-01
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX .... Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$19000.00}
Consumer complaint received 2022-11-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX .... Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$19000.00}
Consumer complaint received 2023-02-08
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. (VA)

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  Account Number : XXXX XXXX XXXX XXXX  Account NumberXXXX XXXX XXXX XXXX  . Account NumberXXXX XXXX XXXX XXXX . Account Number: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 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (VA)

On XX/XX/XXXX, I contacted CHIME bank which is XXXX XXXX since I opened an account a few years ago. 

I make XXXX online payment of {$75.00} every month or when the payee requests extra payment. On XX/XX/XXXX, the payee told me that he did not receive several payments on different dates and asked me to cancel those funds asap. I checked my statement and it shows that the checks were cashed so I called CHIME to get copies of the checks. 

I spent XXXX hour and a half waiting for someone who could help me to get a copy of the cashed checks but after several transfers from person to person no one helped me. 

Today is XX/XX/XXXX and I'm still waiting for copies of checks or these amounts to be returned to my account. CHIME keeps sending me emails that they are working on that but there is not solution and they do not care at all. When I call they do not have a clue about anything and is impossible to get an answer from anyone. This money disappeared from my account and they can't provide any proof of cashed checks. 

Someone needs to audit this bank because they are stealing money from their account holder and since it is an online bank you can't go to ant branch. 

Please help me to hold them accountable for deceiving customers. 

Thank you!
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (FL)

In XX/XX/XXXX I moved to a new home and changed my address on my loan account. I made this change on the PNC Bank XXXX Banking site. Although my new address appears in the information when I log on to my account. I continued to to receive statements that were sent to my prior address and forwarded to me by the USPS. After a few months I attempted to have this problem corrected by contacting customer service through the online chat feature. I filled out an online form for another address change. This was probably sometime in the summer. I am still not receiving mail from PNC at the proper address. I then called into customer service on the phone and spoke to someone who supposedly updated my mailing address. This was on XX/XX/XXXX. Today ( XX/XX/XXXX ) I received another forwarded statement that had been mailed to my old address, dated XX/XX/XXXX. I am very concerned about my privacy because my mail forwarding from the USPS will expire soon. I do not want mail with my personal information including my account number to be received by the current occupant of my former apartment.
Consumer complaint received 2023-02-08
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. (TX)

To whom it may concern : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 or 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.

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (VA)

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 Lead BA. Account Number : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Bank XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.