davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I contacted Transunion and told him them about all those hard inquiries that I did not do as well as XXXX  and they couldnt help me so I contacted FTC to see if they could help me this is been very damaging to my credit score and I had nothing to do with his hard inquiries I hope you can please help
Consumer complaint received 2021-07-28
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: DISCOVER BANK (NY)

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method. 

DISCOVER FIN SVCS LLC Account ID : XXXX I have exhausted all my options to resolve this matter and am now demanding that the account be deleted from my credit report because it is invalid and unverifiable. 
If there is no proof of debt and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCRA. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain loan.
Consumer complaint received 2021-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2021 To : Trans Union Supervisor, Legal Department XXXX XXXX XXXX XXXX, IL XXXX VIA U.S.P.S. TRACKING : XXXX Re : Failure to conduct a reinvestigation ; request for damages under the FCRA To Transunion, On XXXX XXXX, I mailed a letter disputing inaccurate or incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts : XXXX XXXX As per U.S.P.S. records, you received my above-mentioned dispute letter on XXXX. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/2021 ; therefore, your response was due on or by XX/XX/2021 I have allowed for 51 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto no later than 14 days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court.
Consumer complaint received 2021-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

Mr XXXX XXXX XXXX Dear ladies and gentlemen I have been receiving cryptocurrency to my coinbase account for 2 years. 
XXXX my account has been blocked. I contacted support XXXX Case # XXXX. I described my problem to him. And now my money has been blocked for a mo

nth. Technical support is not responding to my messages. I had about {$6000.00} on my account. commerce.coinbase.com
Consumer complaint received 2021-08-12
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)

I've Reached out to Experian, about an account I believed that was reporting inaccurate information on my credit report. 

Account Name : XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : This account is showing a past due balance on a closed account which is a violation of the FCRA please deleted this account immediately per the FCRA and also the date open in this account was reported wrong and this account was verified how is that possible ... 


Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (OH)

I used XXXX XXXX XXXX  for internet and cable service. I called to cancel my service and they sold me on a lower level of service at a lower cost which I agreed to. I moved to a new house about 10 months later and they charged me {$200.00} after I cancelled. I called them to dispute the charge and they told me that it was due to equipment that was not returned and I told them I had proof that I returned the requested equipment and they told me I was all settled. A few weeks later I start to get calls and letters from Sunrise Credit Services about the charge and I told them I already took care of it with XXXX XXXX XXXX, but they persisted. When I asked what the charge was for they said it was a cancellation fee for my service which XXXX XXXX XXXX never disclosed to me when I changed my service over the phone and never disclosed to me after the phone call. I never agreed to a service that included a cancellation fee. Sunrise Credit Services has also reported this to a credit reporting agency which has impacted my credit score and reflects as an unpaid debt on my report. I want these charges removed, debt cancelled, and credit reporting corrected.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (MA)

I booked a trip to XXXX XXXX thru XXXX from XXXX XXXX to XXXX XXXX at the Airport we couldn't travel because my XXXX XXXX had XXXX  of XXXX, therefor the XXXX XXXX the had to cancel our trip and refunds us the tickets cost. 
I contact XXXX to get my money for the hotel and they told me I need to contact the hotel. 
I emailed the hotel and they told me I need to contact XXXX and I contact XXXX and they told me I need to contact the hotel to get my money. 
I opened dispute case with American Express to get my money, but XXXX still refusing give me a refund. 
I couldn't travel due to XXXX travel rules and XXXX charging me a full price fo the hotel reservation XXXX travel confirmation number XXXX the dispute amount is {$2000.00}.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am not liable for any debts with these corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent in several notice of trespass and notice of intent certified and registered mail. To these companies and have reported them to the XXXX  with no resolve. They are in violation of RICO 42 USC 408 and 15 USC 1681 I have the right to privacy and I do not have any contracts with these corporations in wet ink signature.
Consumer complaint received 2023-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capio Partners, LLC (TX)

I am writing because you have already had this item deleted and they turn around and sold it to a new company same bill you had this deleted in XXXX XXXX my complaint number was XXXX company was XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX XXXX account number XXXX amount XXXX they turn it over to a diffrent company diffrent account number the company name is capio partners for XXXX XXXX XXXX XXXX XXXX with wrong address for me change my name from XXXX XXXX XXXX to my real name they are checking credit report are the lettler from your company and saw the right spelling of my name the amount was the same XXXX account number was diffrent the change account number is XXXX
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sent a letter on XX/XX/2021 and sent another letter on XX/XX/2021 in regards to the first letter where I received no results or any certified copy of proof of debt.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I sent letters to TransUnion Credit Bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts that are still reporting on my Credit Report : XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I requested a debt validation letter from XXXX XXXX XXXX. Upon receiving this verification, I noticed that my name and address were wrong. I started a dispute, without any supporting documents, they decided to not remove the debt and continue reproing it. I would like these accounts removed from my credit report as it is reporting inaccurate information.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (CA)

My spend account with Credit Karma was locked around the middle of XXXX - after XX/XX/XXXX. I discovered it when my card was declined several times. I kept calling and the support team couldn't tell me why. I have not had access to my money, which is my federal tax return and now my federal stimulus checks. 

Every time I call to inquire they tell me they can not help me and that the department that is handling the " issue '' does not have phones they only email. I have never received an email from the department that is handling the " issue '' and I have yet to be told what the " issue '' is for certain. 

I have called or emailed numerous times : XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX - trying to resolve this issue and find out why my account is locked. 

Today, XX/XX/XXXX is the first time someone told me that the special " escalated department '' at Credit Karma needs to send me verification forms to prove that I am who I am - for what purpose - I do not know. 

I was told when I first called my request would be handled in 24-48 hours. 
The supervisor I spoke with today told me " these cases can take a week '', his best case can " be 2-3 days '' and my case is " the worst case he has seen ''. FOR WHAT? I do not know. 

I absolutely say publish this information. XXXX should not use CreditKarma any longer. Just send people their refunds.
Consumer complaint received 2021-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion will not provide me a copy of my credit report. This has been going on for over a year so i am unable to dispute invalid information on my report. They have locked my account and me out of it and even when i trey to get my annual report they will not respond, even through the annu7al report website.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC (WA)

Westlake financial at XXXX ( XXXX ) XXXX calls excessively after establishing with the company that I do not have an account with them, and have never applied for a loan, credit, or have a debt with them. 6 different agents have told me they removed my phone number from their records and I would stop receiving calls. According to this last agent they have not. It was finally removed. we will see. I am getting at least 4-6 calls a day the past 3 days. This is a new phone number for me and even the agent verified that my name does not match the name they have for this phone number, but they keep calling me.
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Credit Acceptance has been violating my consumer rights under Federal law 15 US Code 1692.

They have called my phone more than 10 times, I have asked them to stop and they even tried to make me pay over the phone. They have tried to make me pay an alleged debt with multiple letter and not verifying the debt is mine. Also, I let them know that the character amount is in the positive and I can not pay something that is positive.
Consumer complaint received 2021-07-27
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. (MI)

accounts showing up that was included in bankruptcy. included in bankruptcy. Accordingly, pursuant to the Fair Credit Reporting Act, please investigate and correct this inaccurate information. i demand this is deleted from my report immediately for violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2021-08-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

I applied for a loan modification with my loan service at loan care in XX/XX/2021. I was previously on the covid 19 forbearance plan. I was told by a representative after calling into this company that my loan modification was approved and the new mortgage amount was modified to {$1300.00} and the payment was not due until XX/XX/2021. I was also told to look out for documents in the mail which was my loan modification agreement and was instructed to have the documents signed and notarized and sent back to the company. I did as I was told and in XXXX I called to make the payment and was told that my loan is no longer XXXX and the new amount is {$2100.00}. I was told that I was approved for the partial claim loan modification and I must adhere to the terms of my loan modification agreement. When I pointed out to the services that The language in the loan modification agreement that I signed does not match the partial claim loan modification plan they acknowledge the error and keep telling me that they are evaluating my case and expedited it to a supervisor for review and corrections. I have asked this company to provide all documents pertaining to the partial claim loan modification including the promissory note for the partial claim portion of the loan. To date I have not received it. I am concerned because although the company is telling me verbally that I have been approved and is reviving the covid 19 partial claim loan modification my new mortgage pay reflects that I am on a regular loan modification and not the partial claim loan modification. In addition I have not received as per request proof from their company that I am receiving this partial claim loan modification. Please help me with obtaining proof that I am in fact on the partial claim loan modification In written form so that I can see how my loan was changed. My name is XXXX XXXX my loan number is XXXX. I can be reached at XXXX, Thank you
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Help, Help, Help. 
Equifax Credit Bureau Company is ruining my credit score and having my credit report full of false information. XXXX  XXXX XXXX XXXX, XXXX, notified me today, on XX/XX/2021, that Equifax XX/XX/2021 had lowered my score and added a negative statement to my report. Equifax has lowered my score and ruined my report because the company received information from XXXX  ( The Mortgage Company ) that my account is delinquent. I do not have any delinquent accounts ; I repeat, I do not have any delinquent accounts. I am attaching all the official letters for the investigation. I worked hard all my life to maintain a good credit score and to have an excellent credit report. Equifax Company must stop building its decisions on false information. The company has to change back my score and report to where it used to be.
Consumer complaint received 2021-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently mailed Transunion a letter disputing items appearing on my credit report, which they maintain. Transunion response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Transunion response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term.I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. Transunion is still bound by the 30 day investigation period which has now lapsed. Please remove the following items : 1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. This account resulted due to identity theft. 
XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. This account resulted due to identity theft. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I demand Transunion conclude investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made. 
I'm VICTIM OF IDENTITY THEFT.
Consumer complaint received 2021-07-27
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. (NV)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my 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 the 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.