davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

XXXX Account # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit profile. 

Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 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 solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Deb Collection Practices Act 15 USC 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15U.S.C. 1681n ]
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RFNA, LP (GA)

I exercise my right to opt out and be forgotten in your database you have sold my data to third parties, deprived me of my right to freedom for failure to correct your reporting causing harm and for use of my name in trade privately. I demand for the CFPB to hold this company accountable and remove all reporting plus provide compensation. 

Right To Opt Out -17 CFR 248.124 - 1016.7
Consumer complaint received 2021-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

while checking my most recent credit report i noticed a a credit company i dont recognize on my report. i never signed a contract with them in person or electronically nor any of there affiliates. can they please show proof where i signed any contract with them
Consumer complaint received 2023-01-12
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

On XX/XX/23, I submitted an application with Nelnet to change my repayment plan from the Income Contingent Repayment Plan to the Graduated Repayment Plan so that my monthly payment would be lowered. Upon submitting this application, I received an email stating that the application would be processed in 7-10 business days. It's now been a month and the application still has not been processed. I have used Nelnet 's contact form and called several times to request a status update on my application. The last customer service representative that I spoke to informed me that the processing of my application should not take this long. Nelnet has failed to process my application in a timely manner which is essentially forcing me to pay almost 2x per month. My current payment due is $ XXXX. If Nelnet were to process my application as requested, my payment would be less than {$100.00}.
Consumer complaint received 2024-02-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Some purchases were made for {$100.00}, {$420.00} and {$89.00} and all were returned to the Best Buy store and they issued their receipt and the credit to the Citibank Best Buy Credit Card is recorded, but said amounts have been in the state for more than 5 months. account and the bank and the store blame each other and no one has removed said amounts and they continue to bill me for them on the account statement, Correspondence and chat have been sent with support from the store and the bank and nothing that resolves and they close the disputes and without effect. 

The Credit card is only for purchases at Best Buy
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My XXXX XXXX Credit Card says it was late XX/XX/2019 both on Experian and XXXX and XX/XX/2019 in XXXX. 

It was already confirmed by XXXX XXXX that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

XXXX XXXX has already acknowledged this error, but the late payment is still showing up on my credit report.
Consumer complaint received 2023-03-07
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. (FL)

In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts are as follows : XXXX # XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, Dept of edXXXX ( # XXXX, # XXXX ), XXXX XXXX # XXXX, XXXX XXXX # 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 an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.
Consumer complaint received 2023-02-23
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. (NY)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Consumer complaint received 2023-02-23
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On the XXXX of XX/XX/2023, I was paid by my job and I went to the post office to buy a money order to pay my rent and the next day in the morning on XX/XX/2023 when I woke up to get ready for work my money was gone, I got an alert that my account was declined and I hadnt used my card. There were 5 transactions, one for {$200.00}, {$100.00}, {$50.00}, {$25.00} and {$12.00}. These were XXXX XXXX transactions which I dont use or have XXXX XXXX and the names showing up on my account show XXXX XXXX and XXXX XXXX which I have no relationship with or know these people. I called my bank right away and filed a claim and waited and on XX/XX/XXXX I was told my claim was declined to contact XXXX XXXX and file a claim so I did and XXXX XXXX couldnt help me because I dont have an account with them. I want my money back its not fair that I live check bu check and I rely on every dollar to pay my rent and my bank wont do anything, this makes me emotional and sad and stressed and scared that Ill have more money stolen. I need that money back its not a lot to some people but for me its money I need for food and rent and water.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXXXXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

On XX/XX/2024, I initiated another round of disputes concerning unauthorized transactions from XXXX and XXXX. Despite reaching out to both companies, I was directed to contact my financial institution for resolution. XXXX informed me that they did not observe the disputed transaction on their end and advised me to consult my bank. XXXX similarly suggested contacting my financial institution as they were unable to verify the charges. This marks the second dispute I've filed regarding XXXX charges, as I've been consistently billed since last year for transactions I haven't made. I've diligently provided documentation from the companies instructing me to contact my financial institution, yet Chime continues to reject my disputes, amounting to nearly {$900.00} in total. And lastly I even brought to there attention that my address was even changed on my account and like to update it through them and they refused sending my new debit card to address that i don't even stay at. 

My Dispute Ids are : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Commencing on or about XX/XX/year>, I fell victim to several multi-layered scam operations run XXXX XXXX and XXXX XXXX which involved me making deposits for a total amount of XXXX XXXX ( almost XXXX EUR at the time ) from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2023-03-07
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. (FL)

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, 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 XXXX XXXX XXXX XXXXXXXX, 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.
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NJ)

There is a negative credit report due to an alleged 10+ year old XXXX XXXX overdue bill of {$550.00}. I have not had a XXXX account in over 10+ years minimum. Ive tried resolving with XX/XX/XXXX directly via phone and online and also with XX/XX/XXXX and XX/XX/XXXX with no success. This alleged overdue balance is over 10 years old, minimum. This is ludicrous that an alleged balance that is over 10+ years has just recently been placed on my credit report. It severely past the statute of limitations and with any research this can be verified. I have not received any literature or a " Validation Letter '' regarding this for clarification or to directly dispute/resolve with XX/XX/XXXX 

The credit report on XX/XX/XXXX and XX/XX/XXXXis under the company of IC Systems and was opened XX/XX/2019 and as mentioned is already on my credit report and has already impacted my life negatively. I am also contacting the other Federal and State corresponding departments to file reports.
Consumer complaint received 2024-02-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have an invoice from the company, XXXX, the actual date that the debt was acquired and if you look at their information, each debt that was acquired on the same day has a different date that the date was acquired. The actual company is XXXX  XXXX  and they sold it to portfolio XXXX, which is not authorize by me to have my debt my is with XXXX XXXX I required the information from XXXX XXXX  but they informed me that the information was shredded and they no longer have it after XXXX years which I know that they sold my information to portfolio recovery and XXXX or recovery is not answering phone calls not giving me the proper information and I sent the certified letter. I also talk to the fraud department with portfolio recovery, and they refused to give me the information as well, I will leave a copy of my invoice stating that this company is not who I required the debt with and Im asking for this debt to be deleted off my credit report
Consumer complaint received 2024-02-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX i canceled a service well before the contract specified time. I provided an email to the company of my request and disputed the charge through both Credit Cards I used for the purchase. The first immediately resolved the dispute. Citi did not. XXXX is the dispute number. 
On XX/XX/XXXX they sent me an email that went to my spam folder requesting additional documentation. Since I didnt see the email, I did not know until they closed the dispute on XX/XX/XXXX when I had to log into the Citi application to see the dispute was denied. It said I could request to reopen the dispute, which I did on XX/XX/XXXX and included the requested documents. 
On XX/XX/XXXX I received a thank you email from XXXX for providing the documents. 
On XX/XX/XXXX I resent the documents and requested confirmation of receipt with no response. 
On XX/XX/XXXX I received another thank you email from XXXX for the documents. 
On XX/XX/XXXX I received a request to provide the sales contract I was canceling, which I had already sent XX/XX/XXXX and XX/XX/XXXX. I also attached the cancellation notice I sent to the merchant. 
On XX/XX/XXXX I resent the documents by email and requested the mailing address to send the documents to. My request was again ignored. 
On XX/XX/XXXX I called Citi to speak to a representative. The representative confirmed all the requested documentation was present and requested the dispute be reopened as it was closed again with no explanation. 
On XX/XX/XXXX I also resent the requested documents and requested a mailing address. My request was ignored. 
On XX/XX/XXXX I sent another email requesting status and a mailing address. I am waiting for a response and I will send an email every day requesting the mailing address and including requested documents to prove I did my due diligence while Citi did nothing.
Consumer complaint received 2021-01-11
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. (CA)

Due to me being a victim of identity theft have unauthorized accounts that appears on my credit report. A trouble some of Covid 19 when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me I am requesting that all above unauthorized accounts be removed immediately from my XXXX, XXXX, and Equifax credit report due to my identity been stolen. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.
Consumer complaint received 2023-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a fraudulent account on my credit report, which I reported to CAPITAL ONE, yet CAPITAL ONE is not removing this fraudulent account. CAPITAL ONE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet CAPITAL ONE has refused to do this. The following is the fraudulent account : CAPITAL ONE / XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Consumer complaint received 2023-02-28
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. 

Here are the aforementioned items : 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 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (GA)

The information contained in your reporting to the credit reporting agencies is inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a.

As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of further reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.