davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CT)

, On or about XXXX XXXX. I reached out to Caine & Weiner by telephone at XXXX. I was informed to request to speak to XXXX XXXX. I had already sent in prior letters requesting this company to verify this alleged debt. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When calling the number I was hung up on after I requested XXXX XXXX XXXX to verify the validity of this alleged debt, after calling back and explaining that I do have a right to this dispute. I was informed by XXXX XXXX that she would not speak to me and denying me my rights to any and all access to any information in my file because she thinks I should get a lawyer. If I would like to speak to them go online to company webite and submit a from stating that " I DO NOT HAVE A LAWYER, I WILL NOT SUE AND PAY THEM ''. I did not understand why I would have to do this went I sent in numerous letters requesting to verify this alleged debt and how am I obligated to pay it. However, XXXX and other customer service reps also gave me a hard time.
Consumer complaint received 2021-04-01
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. (FL)

I have sent a dispute to credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) and I have not received a response back or any results. This charge off account is in litigation.
Consumer complaint received 2021-04-01
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. (GA)

Equifax, XXXX, and XXXX are all breaking the Law. You can clearly see they have false information and inaccuracies on my credit profile. I have been challenging these items for months and all to no avail. I have never had any account that they are reporting in my dispute letters and never have I ever had an account with Equifax yet they are reporting.
Consumer complaint received 2022-10-31
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. (TN)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$46000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ), XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$280.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$280.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$280.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$55.00} ), XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$180.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Access Receivables of NC Inc. (FL)

they started contacting me last week about a debt some company owes XXXX. I advised them that i was not that company and tat they should stop calling and e mailing me immediately. yet they continue to call a number that is on the do not call list and continue to e mail me after i have repeatedly advised them via e mail and when they call me that i am not the person they are looking for they told me quote we will haunt you till this is paid and we don't care what you say or do we will not stop calling you .... They have also been threatening my credit score and my access to credit. since i have near perfect credit this is most distressing. I am over XXXX and XXXX and worked very hard to ensure i have great credit. to have a company like Access Receivables Management threaten to destroy me and my credit is very distressing. the account number they are calling and e mailing about is XXXX Access Receivables Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I received a charge for {$660.00} from XXXX that I didn't authorize nor was under my name. 

I discovered it on XX/XX/XXXX and filed a dispute with my bank ( Citibank ), for which they provided me a credit. 

On XX/XX/XXXX, the credit was reversed, and the bank claimed that the charge was actually authorized. I don't know who got my card information because I didn't authorize any transactions from XXXX on my account, I already spoke to the merchant and I thought speaking to the bank would be a solution ; unfortunately Citibank lacks quality when it comes to Customer Service over the phone, and they're not able to provide a solution. 

Please help me get this fixed and my money back. 

Thanks.
Consumer complaint received 2021-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (FL)

RGS Financial called me back in XX/XX/XXXX. I didn't know who they are, but the representative told me I owed a debt. I asked for their information so I can send them a letter in the mail. I sent out the letter XX/XX/XXXX asking for validation of the so called debt I am claimed to owe. This have been over 50 days ago and still nothing. So I go to look at my credit report and I see they have put the collection on XX/XX/XXXX under account # XXXX. This account is not mine, it says last payment was XX/XX/XXXX. This is not my account, two FDCPA laws are being violated here. One, not responding back with Validation of debt showing my signature on a contract. Second, reporting a so claimed debt that's past the Statue of Limitations and maybe Third, false re-aging of an account. Please see letter sent attached and theXX/XX/XXXX Reporting screenshot.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, venmo canceled three of the money transfer to my bank, {$700.00}, {$800.00}, {$1300.00}, which is {$2800.00} in total, and have it returned to my venmo wallet balance. Then I received multiple emails saying that the {$2800.00} in my venmo balance was returned to the senders for no reason. And they frozen my account. I lost a total of {$2800.00}. They offer no reason for reversing the money that was sent to me. When the sender contact them for a reason the payment was returned they said the receiver account is not active. If my account is not active how did I receive the money, how did I make a transfer to my bank. This is ridiculous. They just take away {$2800.00} from me for no reason.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MD)

On Monday XX/XX/2021, A hacker broke into my coinbase.com account ( after changing the password ) and three minutes later transferred 99 % of my crypto balance of XXXX CVC coins ( worth around {$3500.00} today ) out to their own crypto wallet illegally. I would like Coinbase to restore the XXXX CVC into my account on the following bases : 1. Failed to protect a consumer from illegal password change ( from unknown location ).

2. Failed to protect a consumer by disallowing transfers out within 24 hours of a password change ( no other serious financial application or entity allows transfers out within 24 hours of a password change ).

3. Failed to detect illegal and unauthorized transactions based on various red flags ( new IP, changed password, wiping the account empty within minutes of changing password, connection over a VPN ) etc.

4. No crypto exchange should be allowed to operate with such loose or non-existent consumer safety and security policies. Coinbase should be penalized for jeopardizing and exposing their consumers in a massive way.

I would like CFPB to investigate how a major crypto exchange is exposing consumers to major fraud by failing to implement simple policies like disallowing transfers out ( especially to other crypto wallets ) immediately after changing a password from a new location from customer 's regular IP address.
Consumer complaint received 2020-10-05
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. (CA)

After sending out multiple letters attempting to receive a response and have the information on my credit report updated correctly, I am being ignored and not given any correspondence from the bureau. I understand they have 30 days to complete their investigation and as of yet I have not received information in the mail and also I have not had the items changed to the correct status. I am very distressed and in need of some correspondence. I sent letters on XX/XX/20 and after not receiving any results I followed up with an additional letter XX/XX/20. It is now XXXX and I have heard nothing. I will be sending out another letter to attempt to have these erroneous items addressed and hope to receive a response and corrections. I will also attach the letter I am sending today. Thank you.
Consumer complaint received 2022-10-31
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. (FL)

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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX
Consumer complaint received 2021-04-01
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)

Law were violated by equifax, XXXX and transunion. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( XXXX, equifax, XXXX ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports. 
( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy. 

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, equifax or experian any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is obscene. 
on date XX/XX/2021 letter were forwarded to transunion equifax and experian stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. 
With that each violation is $ XXXX.and i demand my compensation law for each and every violation made by XXXX, equifax and XXXX and i also demand a deletion
Consumer complaint received 2022-10-31
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)

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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 FIN I XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CURO Intermediate Holdings (LA)

I've received an email from a collection agency, XXXX XXXX stating there will be a lawsuit for an extensive amount of money of over {$2000.00} for a debt unknown to me. They're representing the company named Speedy Cash, which states there's a balance of {$900.00}, which I've never borrowed. I've never borrowed over {$300.00} and if I did borrow anything from them it was over 9 years ago.
Consumer complaint received 2022-01-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TX)

For the past year and a half I have personally been trying to clean up and manage my credit. My credit is at its worst right now but as soon as I start having items removed for violations or even debt paid in full a random item happens to appear. 

About 2 months ago this item has appeared out of know where on my credit. I have no clue who Credence Resource Mana is nor have I ever done business with this copy. 

So I sent a Validation of Debt to the address provided by XXXX, XXXX, and XXXX but only to have the mail returned. How can this company randomly put a item on my credit report and have a incorrect address? How can XXXX, XXXX, and XXXX allow this? I then send a proof the letter was returned to me to all three major credit bureaus. 

The account was never properly investigated if it were investigated at all. The all came back verified. How can you verify this company with they are not reporting a correct address on top of not having a phone number listed? 

I have a new born baby less than XXXX XXXX XXXX. How am I suppose to purchase a new car so I can get him to his new born Dr checkups?
Consumer complaint received 2021-04-02
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. (TN)

To : XXXX XXXX Equifax On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and 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 items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

1. FDCPA Section 807 Violation Misleading False Reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and I'm seeking litigation please delete at once. 

2. FDCPA Section 807 Violation Misleading False Reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX This Account is in Violation and I'm seeking litigation please delete at once. 

XXXX. FDCPA XXXX XXXX XXXX XXXX XXXX XXXX. 
CAP XXXX Account Number : XXXX This Account is in Violation and I'm seeking litigation please delete at once.

4. FDCPA Section 807 Violation Misleading False Reporting.

Account Number : XXXX This Account is inaccurate and I'm seeking litigation please delete at once.

5. FDCPA Section 807 Violation Misleading False Reporting.

XXXX XXXX Account Number : XXXX This Account is in Violation and I'm seeking litigation please delete at once. 
6. FDCPA Section 807 Violation Misleading False Reporting. 
XXXXXXXX XXXX XXXXXXXX XXXX Inqury This Account is in Violation and I'm seeking litigation please delete at once. 




Sincerely, XXXX XXXX
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Re : Request to remove inaccurate information from Credit report On or about XXXX of 2016 I was assessed an annual fee in the amount of 39.00 to my Capital one Credit card. First, I never told the card had an annual fee when I was solicited to apply. Therefore I didnt expect any charges as I was not using the card. 
I returned from vacation to find a past due notice for the account, as well as a 30-day late notice alert from the credit reporting agency. Knowing that I had been out of the country and hadnt use the card. I immediately called to Capital one to report this charge as fraud. 
Only then did I learn that an annual fee was assessed to the account and not paid. I explained that I was never told about an annual fee, and I had been out of the country and therefore, unaware and unable to pay any fee at the time of assessment. I requested that the late fee and 30-day late report be removed considering the circumstances. I was told to send in an explanation, and it would be reviewed. So, I did. This was in XX/XX/2016 
I was contacted bout 15 days later and told that the late fee and report to the credit bureau would be removed, however I still needed to pay the XXXX annual fee first. So, I paid it over the phone. The Capital one agent also suggested that they issue me a Zero annual fee card, to prevent this from happening in the future, so we did that as well. Which I still have now. 
I was told it would take a up to 30 days for the credit items to be corrected on my credit report, but I was assured it would be taken care of. 
Now I see this error is back on my credit file. 

I recently contacted capital one again and they asked me to re-submit my request as the old request was lost. I was just notified that they would not be removing the error from my report because they see it as accurate, although they had agreed to remove it before in 2016 and took my payment. Otherwise, I would have just told them to close the account.
Consumer complaint received 2021-04-02
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: JPMORGAN CHASE & CO. (KY)

I am a victim of fraudulent/inaccurate items of this account reporting on my credit file. I have sent several disputes via mail to try and resolve the problem. My rights as a federally protected consumer are being violated as sated in the Fair Credit Reporting and and Fair Debt Collection Privacy Act. I have filed a complaint with the Federal Trae Commission and my rights are still being violated. My general reputation and my ability to obtain credit is being tarnished. I need to have these account removed from my credit file immediately.
Consumer complaint received 2022-01-30
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. (MI)

I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WAS BEING BROKEN UNDER THE ( FCRA ) BY YOUR COMPANY, THIS HAS CAUSED ME FINANCIAL INJURY, ALSO THIS ISSUE HAS CAUSED ME DEFAMATION OF CHARACTER, I CANT GET A JOB, I CANT APPLY FOR CREDIT.UNDER THESE CHRISIS YOU HAVE HURT MY ABILITY TO OBTAIN CREDIT.I WILL ALSO BE FILEING A COMPLAINT WITH THE ( FTC ) CONCERNING THE NEGLECT OF YOUR COMPANY I HAVE PROOF ENCLOSED WITH THIS COMPLAINT THAT I REACHED OUT TO YOU GUYS OVER A MOTNTH AGO, AND I HAVE YET TO GET A RESPONSE FROM YOU GUYS......
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 — Account status incorrect
Company: DISCOVER BANK (TX)

This was paid on XX/XX/11 and XXXX has failed to correctly update the status on my credit report, as you can see both XXXX and XXXX have updated their statuses. I contacts Discover and they said it was send to all XXXX credit bureaus.