davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-02-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Collection placed illegally a lien on my home. I do not owe them any money. They ignored the statute of limitations to collect a debt. ( Arizona 3 years ) After hat the debt is considered uncollectable. They may have gotten a hold of an old account that was discharged in XXXX. That company does not disclose any information about this debt. They never informed me and my husband of a lien being placed on our home.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. 

The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. 

Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). 

If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. 

Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. 

To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. 

You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). 
In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Consumer complaint received 2021-03-10
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. (PA)

I the consumer sent TransUnion a affidavit about items on my report without my permission. 

Title 15 1681a ( 2 ) ( b ) and 15 1681a ( 2 ) ( c ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

Dear CFPB, American Express sent me an offer to apply for the Business Rewards Gold card via my online banking bill pay screen. The offer was for XXXX membership rewards points for signing up for the card and spending {$5000.00} in 3 months. I pulled up the application today XXXX/XXXX/2016, as the offer expires XXXX/XXXX/2016 and I wanted to apply for the card before it expires. 
The offer showed the terms and conditions, and I read through them. There was nothing that denoted I would be ineligible for the card. 
I called to apply for the card but was told by the American Express membership rewards department agent, XXXX, that I was in fact ineligible. She apologized but cited terms and conditions that were not listed in the original offer that I had received. 
I think that this is incredible unfair. 
An offer that is mailed from AMEX to the consumer should include all terms and conditions. AMEX was apparently withholding the full terms and conditions. 
I feel that I have been mislead as a consumer, and that my time has been wasted. 
I had been planning on apply for this card all month, and now that I went to do so I was unable to proceed. 

I feel I deserve to be eligible for this card. 

AMEX needs to allow me to sign up for the card and receive the bonus, and this was the offer they originally sent me.
Consumer complaint received 2023-06-25
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. (TX)

XXXX XXXX has wrong information no accounts have been opened on date XX/XX/2020 I have tried do dispute with no success this information is wrong I did not open any account with this date
Consumer complaint received 2015-10-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (TX)

This is the private portion of my student loans to attend XXXX College in XX/XX/XXXX. There is XXXX issues with this so called debt. First I have never been able to get a job due to the lack of the proper training. This is the same reason that XXXX College was shut down. I disputed this debt with new collection company in XX/XX/XXXX. Under the Fair Credit Reporting Act they are required to send me the original contract. Instead of sending the original contract they sent me a contract with no signatures, the wrong address, and a lot of other missing info. 
The second reason I do n't feel I owe this debt is in XX/XX/XXXX I XXXX. All my federal student loans have been dismissed by the government and this loan should follow suit, but typical of a greedy corporation they want me to pay for a bogus degree that I ca n't even get a job with.
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Express Aviation (TX)

My school was closed down in XXXX for not being in compliance with the Department of Education. They received this loan and I never seen anything from it. I ca n't afford to pay back this loan and I want to know I should have to repay all of the money when I never received any of the money. They took out more money than was needed at the time and I have n't completed school with them.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (UT)

This debt is not valid. I 've sent two letters to Transworld Systems regarding the XXXX XXXX. The XXXX XXXX commited fraud with false advertising. I returned the product which was received XXXX XXXX, 2015 at their company. I lost {$140.00} to the XXXX XXXX and they have their product back in full working order with no damage. Transworld needs to stop harassing me over this non-valid debt.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. 

The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. 

Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). 

If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it.

Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. 

To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. 

You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ).

In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Consumer complaint received 2022-04-17
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account Bankruptcy XXXX XXXX US BKPT CT XXXX XXXXXXXX 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.
Consumer complaint received 2022-04-17
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. (IN)

In accordance with the Fair Credit Reporting act XXXX Account Bankruptcy XXXX  XXXX, US BKPT CT XXXX XXXXXXXX 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.
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Paypal Holdings, Inc (IL)

Two issues with PP transactions. 
In order to use the prepaid card with PP the company requires a preauthorization code which is submitted together with a " fully refundable '' {$1.00} charge. It is not a first time that the fully refundable is actually not and as the screen shows my balance on the card is off by {$1.00}. The expired hold transaction shows up 3 times on the balance. 
Also PP when making a refund to the buyer on the unrelated transaction to the card is fully refunding the buyer however it is charging a commission to the seller such as myself. 
Although the transaction was not done correctly and I had to refund the buyer, the PP charged me XXXX cents " commission '' for refunding the transaction that didn't go through. IN other words PP is skimming off the top small amounts while stealing from people giving it business. It is not only reprehensible but illegal and I challenge PP to state in its XXXX XXXX  XXXX why it feels authorized to do business this way.
Consumer complaint received 2022-04-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

We lost our home due to foreclosure in XXXX with issues that started in XXXX. I recently learned about the lawsuit filed against OCWEN mortgage company and some of those reasons align with the reason we lost our home to foreclosure. 
OCWEN was misleading and dishonest about our interest rate, deceitful about foreclosure alternatives and improperly denied us loan modifications, charging unauthorized fees for default-related services all of which resulted in foreclosure. We were not treated fairly or given proper information. They put no effort into helping us keep our home, therefore we felt forced to choose foreclosure.
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paypal Holdings, Inc (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account.

The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. 

Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). 

If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. 

Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. 

To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof.

You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ).

In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Consumer complaint received 2022-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently pulled my report, and there are many accounts reporting I have no idea where/ what or who they are from. Some are not even reporting company names, payment histories or any legally needed information to report legally through the bureau. I have tried to dispute with the bureau but to no avail.
Consumer complaint received 2022-04-17
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc. (GA)

I was repeatedly put on administrative forbeance in order to have my loan interest accumulate. And my online account stated completely different information. It's fraudulent and unethical. My original loan amount was {$27000.00}. I allegedly owe {$41000.00} according to my loan amount. There is a class action settlement for the loans that we're affected during the time that my loan was with Navient. This reporting of fraudulent activity is against the law and is negatively affecting my debt to income ratio because of the unlawful actions taken on my loan. My loan is also reflecting a {$16000.00} Pell Grant that I never received.
Consumer complaint received 2022-04-17
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

He said hes from a collection agency and said i owe some debt, he basically put interest in all my assent from my car payment, my mortgage my utilities. Basically everything I own. Now I found out hes been going into my bank account and withdrawing large sums of money. Taking out loans and all of my direct deposits from my irs refunds. And taking out escrows from my house trying to put my mortgage into default with use of authority and extortions.
Consumer complaint received 2022-04-17
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account Bankruptcy XXXX  XXXX, US BKPT CT XXXX XXXXXXXX 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.
Consumer complaint received 2022-04-17
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-04-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wrote to ll three credit reporting agencies for the removal of unauthorized credit inquiries on my credit report. My latest credit report shows 4 credit inquiries that I did not authorize and/or an unauthorized duplicate inquiry. Below are the disputed the inquiries and I ask for their removal from my credit report. 
Creditor Date Comment XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XX/XX/XXXX duplicate inquiry ( unauthorized ) XXXX XXXX XX/XX/XXXX did not authorize XXXX XX/XX/XXXX did not authorize My letter was sent over a month ago yet these items still apprear on my report. I need your assistance to get these items removed.
Consumer complaint received 2022-04-17
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. (CA)

In accordance with the Fair credit Act 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. 

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 XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX XXXX XXXX XXXX/
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

On XX/XX/14 my Coinbase account was hacked. I alerted Coinbase and my account was locked and all my funds are missing XXXX including multiple charges to my bank account in the amount of {$600.00} as well. I have sent multiple emails and have yet to hear from anyone from Coinbase