davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

on XX/XX/2024 I have initiated an international transfer of USD XXXX from Coinbase to my XXXX XXXX account. 

However, until now, I have not yet received my money. 

From late XXXX to now, I have spend a lot if time asking about the progress and what went wrong. However, Coinbase still have not yet transferred the money to me.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I have tried to explain to both XXXX XXXX and XXXX XXXX that I did not open a account with either company. They both have my social security number only they have wrong address phone number and email address. I have 4 other accounts with the bank that the XXXX XXXX is with that I have not ever missed a payment yet they opened up a account with only the social security number correct. I have notified them and they state I live in a apartment in XXXX. Im XXXX XXXX XXXX and have never lived in a apartment and I have lived in this house for over fifteen years
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I opened a new checking account and savings account with Citizens that was tied to an intro bonus. For the checking {$300.00} bonus, a {$500.00} direct deposit needed to be made within 60 days of account opening. For the savings {$300.00} bonus, {$200.00} deposit ( not necessarily direct ) needed to be made in 3 consecutive months following the account opening. It is well past that point, all requirements have been made, but the bonuses have not been deposited into my accounts.
Consumer complaint received 2022-11-07
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 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 XXXXXXXX OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-06
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)

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 Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 USC, 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 2022-06-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CA)

Bought XXXX cars ( XXXX XXXX XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX ) both were reported on tax ( 1099B ) as a result the bank that financed me rescinded both accounts in my perception is a result of my reporting both car contracts to the treasury. There is now the dealership parental company attempting to recontract my to pay. I will pay until I find resolved, the only problem that I have is that XXXX Over ran my credit and gave access to other bank without my permission, 3 month after the final sale of the second car I found inquires up until XX/XX/XXXX XXXX which I had no knowledge of until credit was drastically reporting, this is fraud! One of the vehicle was faulty and failed to stop hence deemed totaled by my insurance carrier. As a result now Santander wants the pay out, but they abandoned the contract I have proof, I never received payment coupon or receipt from Santander, I never sent them one payment. I have Santander payment receipts of my phone and via statements by mail for the second car ( XXXX XXXX XXXX ) The also never reported the XXXX ( XXXX car ) but did report the second one until XX/XX/XXXX ( When they rescinded the XXXX Cars contract ) now there is XXXX loans on the credit report
Consumer complaint received 2022-06-06
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. (GA)

Please Help! I have submitted proof of identity theft to TransUnion and XXXX via mail, and the CFPB portal. TransUnion and XXXX continue to furnish a public record on my consumer credit reports. I did not authorize nor give my consent to furnish the Bankruptcy XXXX. Pursuant 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. TransUnion and XXXX is willfully and negligently being noncompliance.
Consumer complaint received 2022-09-29
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. (CA)

I sent Bureaus letters last XX/XX/2022 but I didn't receive any responses. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-06-06
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: NAVY FEDERAL CREDIT UNION (TN)

I have been out of town for several months and while away on XX/XX/XXXX my son applied online for a navy federal car loan in my name. This application was 100 % unauthorized and I would like the inquiry removed from my credit report.
Consumer complaint received 2022-06-06
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 # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 1803 Capital, LLC (CA)

XXXX has seemed to not mind violating my constitutional rights by some how reporting that my vehicle loan is closed when it has only been sold. this misinformation has caused my credit score to decrease substantially by XXXX points and is creating an ( extreme ) hinderance to the functionality of my ability to prosper as a human being. This misinformation is to be reported accurate pusrsuant to 15 U.S.C 1681 FCRA regulations and is persecutable by law. Please correct a.s.a.p.
Consumer complaint received 2022-06-06
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX Original Creditor : acct XXXX XXXX XXXX XXXX  acct XXXX XXXX Has violated my rights. 

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

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (ID)

I was told to make a payment by check because my auto-pay would not be set-up in time. However, after I made my XXXX payment by check, the auto-pay also pulled a payment. Then, while my next payment due date was changed to XX/XX/XXXX, I was assured that a payment would NOT be auto-paid in XXXX. Then, on XX/XX/XXXX a payment was still auto-paid on my account, pushing my next payment due date out to XX/XX/XXXX. I called Dovenmuehle several times ( from XX/XX/XXXX to XX/XX/XXXX ) to request a refund of one of the two payments made in XXXX to correct the problem. I was hung up on several times. When I was finally transferred to a Supervisor ( XXXX ) on XX/XX/XXXX, she told me they would send a check in the next 5 days. On XX/XX/XXXX, after receiving no check I called again and spoke to XXXX. She assured me that the check would be sent, and still nothing. They are not resolving my issue and I don't know what else to do. When I do finally reach someone, they are rude and/or place me on extended holds ( sometimes more than 30 minutes! )
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEAD MERCANTILE CO., INC. (OH)

I requested a debt validation letter, never got a response. So i sent another one certified mail and they finally responded with a debt letter that it did not have enough information to verified. I ALSO REQUESTED A PURCHASE AGREEMENT SHOWING THAT THEY HAVE THE AUTHORITY TO COLLECT THIS DEBT. AND THEY STILL HAVE NOT PROVIDED THAT INFORMATION. AS A CONSUMER I HAVE THE RIGHT TO SEE ALL INFORMATION REGARDING A SO CALLED DEBT THAT I ALLEGED OWE. I DONT KNOW WHY I HAVE TO PLAY GAMES WITH A COMPANY TO TRY AND GET WHAT INFORMATION I AM REQUESTING SO I CAN VERIFY THE SO CALL DEBT.
Consumer complaint received 2022-06-06
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. (CA)

There are 8 WILFUL FCRA Violation on my consumer credit report, EQUIFAX was aware their actions would cause harm to me but went ahead and did them anyway. 

Withholding account data with intent to negatively affect my consumer credit scoreXX/XX/XXXX credit limit, by falsely reporting in Comments : Credit card Amount in H/C column is credit limit which report {$0.00} that is affecting my consumer credit report score and utilization. 

1. XXXX XXXX 2. XX/XX/XXXX XXXX XXXX* 3. XX/XX/XXXXXXXX XXXX 4. XX/XX/XXXXL XXXX XXXX 5.XX/XX/XXXX XXXX 6.XX/XX/XXXXXX/XX/XXXX XXXX 7. XXXX XXXX XXXX 8. XX/XX/XXXXXXXX I provided factual info directly from the credit report. See files that is uploaded 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) in general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or
Consumer complaint received 2022-06-06
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. (FL)

Equifax has been negligent in removing thirteen ( 13 ) credit accounts that are all appearing as paid closed accounts, the date reported is more than ten 10 years from the Date Reported on all of these accounts. Note that Equifax is the only credit reporting repository that is still reporting these old stale dated accounts. 
1. ) XX/XX/GATEWAY- Closed XX/XX/XXXX XXXX. ) XX/XX/LENSCRAFTERS- Closed XX/XX/XXXX XXXX. ) XX/XX/WALMART- Closed XX/XX/XXXX XXXX. ) XX/XX/GAP- Closed XX/XX/XXXX XXXX. ) XX/XX/QVC- Closed XX/XX/XXXX XXXX. ) XX/XX/CARECREDIT- Closed XX/XX/XXXX 7. ) XX/XX/XXXXXX/XX/CARECREDIT- Closed XX/XX/XXXX XXXX. ) XX/XX/ULTRA- Closed XX/XX/XXXX 9. ) XX/XX/XXXXXX/XX/THOMASVILLXX/XX/XXXX Closed XX/XX/XXXX 10. ) XX/XX/PEACHDIRECT- Closed XX/XX/XXXX 11. ) XXXX XXXX Closed XX/XX/XXXX 12. ) XX/XX/IKEA- Closed XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX- XX/XX/XXXX
Consumer complaint received 2022-06-06
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)

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 given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- Company : 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 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  LAST UPDATED CHARGE OFF {$700.00} According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation
Consumer complaint received 2022-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRSTBANK PUERTO RICO (NY)

I have a loan with XXXX XXXX ( belongs to First Bank ). This loan is protected under SCRA law. While being away for training for many months the loan was marked as bad debt. I tried making payments in order to refinance the loan and bring it up to date. While making payments I noticed my SCRA law benefits had been taken away. Changing the 6 % interest cap rate, to a daily charged interest that has brought my account from a {$4400.00} balance to a {$5700.00} balance. Under the SCRA, the Attorney General is authorized to file a federal lawsuit against any person ( or entity ) who engages in a pattern or practice of violating this law. 50 U.S.C. 4041 ( a ) ( 1 ). When the Attorney General files a lawsuit under the SCRA, he has the authority to seek monetary damages on behalf of individual servicemembers. Id. at 4041 ( b ) ( 2 ). The Attorney General also has the authority to seek civil penalties, equitable relief, and declaratory relief. Id. at 4041 ( b ). This is the second time this institution has violated my SCRA rights. I have make multiple attempts to fix this situation. Collections supervisor XXXX XXXX has never been available to attend or return my calls. I need this illegal interest to be retroactively removed from my account and I ask for my account status to be set as current up to date, as a remedy for this illegal action for a second occasion with the same creditor and in order to avoid legal action at the federal level with my representation from Judge Advocate XXXX XXXX ( XXXX ). It is worth to mention I have evidence of multiple emails sent to XXXX XXXX, XXXX XXXX and other employees, with all military documents proving my SCRA eligibility. I have also contacted the XXXX XXXX on XXXX XXXX XXXX times and one has been able to assist. Once again I ask for my account status to be changed to current so I can resume payments, and the interest retroactively adjusted to 6 % in order to avoid a federal lawsuit for this illegal pattern.
Consumer complaint received 2022-02-24
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights.
Consumer complaint received 2019-06-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX/XXXX   XXXX****, XXXX/XXXX XXXX****, US DEPT ED  XXXX****, US DEPT ED XXXX**** , XXXX XXXX****, XXXX/XXXX XXXX XXXX XXXX****, US DEPT ED XXXX****, XXXX XXXX**** , DPT ED/XXXX XXXX****, XXXX/XXXX XXXX****, XXXX XXXX XXXX****
Consumer complaint received 2022-06-06
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. (TN)

In accordance with the fair credit reporting act and Title 15 Annotated commerce and trade .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 Us dept of ed/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/Dept of ed # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. its also states a consumer reporting agency can not furnish a account with out my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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