davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
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. (MN)

The following accounts listed on my XXXX and Experian credit report is lost/stolen : XXXX XXXX XXXX XXXX XXXX XXXX, {$450.00} and XXXX XXXX XXXX XXXX  XXXX, {$580.00}. The following credit inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX account # XXXX and account # XXXX. Has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A seccin 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Fuel Capital Group (CA)

I financed a XXXX through fuel capital in XXXX of XXXX called them and asked them to send any new paperwork via email or to my new address in XXXX when I moved. Ive made every payment on time. I was lied to about option GPS recovery hardware I paid extra for by the dealer and found out later this hardware is mandatory by the finance company and protects them. Then on XX/XX/2022, I receive a text stating that " fuel capital is now Strike Acceptance, you're set to receive convenient account text. '' payments have continued to be withdrawn with no changes on my part each month. I have carried full coverage insurance as agreed to in my finance contract with fuel with zero lapses. Today I visit my family and find a letter sent to my parents house saying that they can not verify I am carrying full coverage insurance and that if I do not prove I have full coverage insurance with " Stike acceptance as the lossy by XX/XX/2022 they will take measures to protect themselves which can cost me. I opened this letter on XX/XX/XXXX. I've never signed any paperwork changing my contract or terms nor agreed to receive any account correspondence via an address, which I have not lived at since 4 months after purchasing my XXXX. I feel mistreated and violated in the contract agreement I signed in many ways. I should not be penalized because a fiance company decides to change its ownership or sell my loan without properly informing me of changes and requirements that I can agree to. nor should I be put in a position where I need to take time from work to try figuring out what I need to do to address these new demands after receiving a confusing and threatening letter. I've abided by the terms of my contract. I also would like a refund for the GPS options I was sold fraudulently because the dealer said it was an option, which would pay me XXXX dollars on top of the value of my bike if it was not recovered and this is not true. it is mandatory according to this financial company 's paperwork and a violation of my contract if I remove the device. I was not informed of any of this, was misled about what this was, and paid for something I did not receive.
Consumer complaint received 2023-02-21
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance : {$8700.00}.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (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 investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX XXXX XXXX Balance : {$560.00XXXX XXXX XXXXXXXX Balance XXXX {$2100.00} XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$2100.00}
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (PA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # : XXXX ; XXXX ; and XXXX .I 'm including these again. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX 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.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting XXXX 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.
Consumer complaint received 2022-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rubin & Rothman, LLC (NY)

Hello, I tried to resolve this issue previously this is my previous CFPB complaint number XXXX and my demand wasn't answered. XXXX XXXX stated the account in question was placed with Rubin & Rothman , LLC, I demand to see the agreement between XXXX  XXXX signed with Rubin & Rothman , LLC. I didn't sign any agreement with Rubin & Rothman , LLC and do not consent with Rubin & Rothman , LLC to have my information. Rubin & Rothman , LLC claims that the Complaint and Summons were properly served on XX/XX/2021 which Rubin & Rothman , LLC did not do. Rubin & Rothman , LLC 's associate left the summons outside for everyone to see that isn't my current abode. In said summons, XXXX XXXX of Rubin & Rothman , LLC is serving as the deponent but XXXX wasn't present for any alleged contract agreement between myself and XXXX XXXX, XXXX wasn't present for any alleged consumer credit transaction, and also, in the summons it's stated his knowledge, Information and belief which isn't fact. XXXX wasn't present at any point and anything he will say is hearsay and isn't admissible in court. I will also be filing a complaint with the NY Attorney General.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southern Auto Finance Co (TX)

My complaint is regarding the Southern Auto Finance Company is known as ( Safco ) reporting inaccurate information on my XXXX   report. I reached out to Safco ; I spoke with XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX, regards to the {$17000.00} showing past due. I asked for account XXXX negative, inaccurate information be removed from XXXX  credit report. The first-time account was late XX/XX/XXXX. The statute of limitations has expired as of XX/XX/XXXX. Southern Auto Finance Company account is seven years, and six months expired as of XX/XX/XXXX. Safco has changed late date on account numerous times so account can keep showing on my credit report this is inaccurate negative information reporting on my credit report. 

I reached out to XXXX numerous times and request for Safco account # XXXX to be deleted from my credit account. I spoke with four agents, and one supervisor at Safco and the negative information are still reporting on this XXXX. On XX/XX/XXXX, I talked to XXXX the confirmation that was provide it # XXXX. XX/XX/XXXX, I spoke with XXXX ID # XXXX, XX/XX/XXXX, I talked to XXXX ID # XXXX she was the supervisor, and I talked to XXXX on XX/XX/XXXX, ID # XXXX. My request was to remove Safco negative, outdated, inaccurate information remove from my credit report. I also sent a letter to XXXX  requesting Safco accounts to be remove from my credit report. There are two accounts reporting from Safco with different account numbers and same amount, please see attached credit report.
Consumer complaint received 2022-06-01
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

During the covid-19 pandemic I called my credit card companies and were supposed to be given a 3 month period in which I didnt have to make a payment but, I was reported late to the 3 credit bureaus.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit reporting act XXXX  account XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-06-01
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. (NY)

In accordance with the fair credit reporting act XXXX  account XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX. 
The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX  and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting XXXX 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.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc. (CO)

I have the Coinbase Visa debit card which is issued by XXXX. 

On XX/XX/2022, I had the following fraudulent transaction made on my debit card, which Coinbase has refused to refund : Merchant : XXXX Amount : {$490.00} Date & Time : XX/XX/2022 XXXX PM I saw the charge come through on my Coinbase app and I immediately called and notified Coinbase while the charge was pending. They told me that the charge was made in another country and that they couldn't do anything until after the charge went through and to call back and dispute the charge when that happened. The next day the charge switched from pending to completed and I called Coinbase support and initiated a fraud dispute. They opened a case and told me to check my email and it may take between 45-90 days to resolve. Coinbase replied back, via email on XX/XX/2022 with the following statement : " Thanks for contacting us. We acknowledge your concern that you want to dispute transactions on your Coinbase card. 

We have reviewed the transaction and on our end our attempt to initiate a chargeback was rejected by the network. 

Unfortunately, the chargeback was rejected by the network for the following reason Dispute is invalid under Dispute Condition 10.4 for a Visa Secure transaction. As a result, we will be closing your claim. '' Coinbase is refusing the refund this fraudulent charge or help me get my money returned. I have tried the following things so far with no results : 1. I called the Coinbase support hotline and they stated that they have no information about disputes and that the only thing I could do was try to reply to the dispute email. 

2. I replied to their email to enquire about additional information and steps necessary to get my money back. I have not received any response yet. 

3. I have messaged the CoinbaseSupport user on XXXX  to see if they can be of any assistance. I have not received any response yet. 

4. I opened a support case on the Coinbase website. I have not received any response yet, other than an automated email which states they will contact me shortly. 

If you can be of any assistance it would be greatly appreciated. I feel that I am entitled to a refund of the fraudulent charges made on my VISA debit card, but Coinbase seems to be just ignoring the problem. I also know there are others that have had very similar issues from reading posts on XXXX. 

Thank you.
Consumer complaint received 2022-06-01
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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
Consumer complaint received 2020-02-16
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: Experian Information Solutions Inc. (TX)

I filled out an application online to try to refinance my truck. I dont remember the website because once the app was filled out in changed hands. The website shared my info with many different credit sources and the last few days I have had 6 different credit inquiries added to different credit reporting bureaus notification system. I am suspecting my information was shared and the credit inquiries are being made illegally without my consent.
Consumer complaint received 2020-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Funding has 3 accounts with my name. {$380.00}, {$1100.00} & {$530.00}. All had the wrong last name and incorrect address. I contacted them 3 times for proof that the bills were actually mine since the name and address were incorrect. Midland sent nothing. 2 months later, I received a summons in the mail with a final credit card statement with the CORRECT NAME AND ADDRESS ( {$1100.00} ) .. I answered the summons and again requested documentation for all 3 accounts proving I was responsible. Still nothing 2 months later. I am now receiving emails from XXXX XXXX for one of the debts ( {$380.00} ) while Midland continues to report to my credit. In a multi state settlement in XX/XX/XXXX Midland agreed to : Verify information in affidavits, have account documents before filing a lawsuit and NOT resell debt until after XX/XX/XXXX.I 'm being sued, missing work, incurring debt with legal trying to defend myself for something that may not belong to me while they are breaking the debt collection laws.
Consumer complaint received 2020-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (WI)

This account has been settled and paid in full. This debt was paid in full on XX/XX/2018. This account was opened and closed within 15 business days due to the service not working. I have attached a conversation with the store managers regarding this account. I have reached out to this company once they received the account that it has been paid in full and supplied all the information the company has failed to remove this debit which is causing a negative impact on my credit. I would NEVER go to XXXX for service they will rip you off and lie to you. They add additional fees into your contract and change prices every month on your bill. XXXX IS A SCAM!
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2020-02-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Dear Ombudsman, Hereby, I am making a formal complaint about money transfer made from XXXX  account on XX/XX/2019 in amount of XXXX USD to my client in Citi Bank NY ( transaction file from my bank 1st attachment ) : Beneficiary Name : XXXX XXXX XXXX  XXXX XXXX Beneficiary Address : XXXX XXXX XXXX XXXX XXXX : Surprise Beneficiary Country : US Entity Type : company State/Province : AZ Zip Code : XXXX XXXX : XXXX Account Number : XXXX Company Name : XXXX XXXX XXXX   XXXX XXXX Unfortunately I wrote incorrect XXXX number XXXX which is for private clients and in this case it should be given XXXX number for small and medium companies, what I found out after the transaction has been done and I couldnt cancel it after that. 
XXXX  agent ( from my bank ) on chat gave me additional information from banking partner about this transaction like below, and wrote that Citi Bank NY is still holding the payment 2nd attachmend Trace ID - XXXX The transfer was sent from our payment processors banking partner account details. 
Account number XXXX XXXX Routing Number : XXXX I have contacted Citi Bank US and they said that they arent able to help (??? ). As far as I know, holding money in this case is illegal. I want my money back, and Im asking you to help me in this matter. 
Looking forward for positive feedback, Best regards, XXXX XXXX
Consumer complaint received 2019-07-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc. (DC)

Southern Management SY reported in XXXX a MajorDerogatory to all three credit reporting bureaus that is inaccurate. We dont owe the client of this debt collector anything. XXXX XXXX, a provider of student housing at the XXXX in XXXX neither substantiated nor provided any proof for their claim. They also never contacted me about their demands. Since I made all payments required under the lease for the student apartment of our son XXXX XXXX in XXXX, I consider these tactics unethical and Im am requesting that the item be removed immediately.