davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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: EQUIFAX, INC. (NY)

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX )
Consumer complaint received 2022-01-31
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. (NY)

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX )
Consumer complaint received 2023-02-12
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality u Der 15 USC 1681. XXXX Account XXXXXXXX XXXX solution. 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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX XXXX I am a federally protected consumer and my consumer rights have and continue to be violated. 

I am being bullied, harassed and threatened by Capital One Bank to pay an alleged debt and it is really stressing me out and is a violation of federal law 15 U.S. Code 1692b ( 2 ), not state such consumer owes any debt. 

The unfair debt collection practices started Around XXXX of 2021 when In good faith I participated in a consumer credit transaction with CAPITAL ONE BANK. During this consumer credit transaction my social security card information was provided and a finance charge was obtained. 

As the original creditor I granted CAPITAL ONE BANK the right to extend credit pursuant to 15 U.S.Code 1692a ( 4 ). During the consumer credit transaction CAPITAL ONE BANK charged me an Annual Percentage Rate of 26.99 % at the start of this consumer credit transaction. The finance charge is the sum of ALL charges pursuant to 15 U.S. Code 1605, If the finance charge is the sum of all charges I cant owe CAPITAL ONE BANK this alleged consumer debt. 

CAPITAL ONE BANK also failed to provide a material disclosure of how they even calculated the finance charge which is yet another violation of 15 U.S. Code 1602v. Ever since I started using this card for personal, family, and household purposes CAPITAL ONE BANK has been furnishing deceptive forms to coerce me to make cash payments which led me to the false belief that I the consumer owed a debt, which is also a violation of 15 U.S. Code 1692j ( a ), 15 U.S. Code 1692j ( b ) and 15 U.S. Code 1605, The finance charge does not include charges of a type payable in a comparable cash transaction. 

I am very confused why CAPITAL ONE BANK sent an unwanted bill to my abode alleging I owe {$440.00} this is a clear violation of 15 U.S. Code 1692c ( A ). CAPITAL ONE BANK did not and does not have my prior written consent to communicate with me the consumer in connection with an alleged debt.

CAPITAL ONE BANK is also in violation of 15 U.S Code 1692e ( 2 ) ( A ) the character amount is false and misleading. How could I owe on a positive amount? I find it hard to believe CAPITAL ONE BANK sent multiple billing errors on accident. It feels like CAPITAL ONE BANK is willfully and knowingly being deceptive, false and misleading with their attempt to collect this alleged consumer debt which is a violation. Pursuant to 15 U.S Code 1692k CAPITAL ONE BANK you are now liable for all consumer violations and actual damages.
Consumer complaint received 2022-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the account below. I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

( XXXX XXXX XXXXXXXX )
Consumer complaint received 2022-01-31
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. (NY)

The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2022-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

I was on a payment plan with Comenity Bank that was covered by insurance. I submitted the paper work and they covered the monthly charges. My escrow company requested a pay-off amount and the check was sent to the wrong mailing address. In the process of trying to locate the payment more time passed. Comenity added an additional {$70.00} to the bill. That amount should have been covered by the insurance per the hardship agreement that was sent in. After the payoff was received that kept raising late fees even though I no longer used the card and sent the amount they said was the payoff amount. Now it's on my credit and I'm getting secondary emails from XXXX XXXX debt collection. This should be removed from my credit and shown as paid as agreed. They turned {$70.00} into {$260.00} debt on my credit report. I called to make sure the check was received and I'm still dealing with this.
Consumer complaint received 2022-01-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

My CD was classified as a dormant account and I am unable to access my funds. According to HSBC, an account is classified as a dormant account if there is no activity on the account in 3 years. My CD account was rolled over in XX/XX/XXXX. On XX/XX/XXXX, I transferred {$340.00} out of the CD and rolled the balance into a 1 yr CD. Upon maturity of my CD on XX/XX/XXXX, I discovered that my CD account is classified as dormant. I filled up the relevant forms to remove the dormancy status on XX/XX/XXXX. I was told that it should take 2-3 days. I have called customer service a few times and each time, I am told that the account is still dormant. As of XX/XX/XXXX, my account is classified as dormant and I am not able to access my fund.
Consumer complaint received 2022-01-30
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. (DE)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (OH)

Good evening!! 

I have tried contacting the original debt collector and now this third party to see to it that this debt indeed belongs to me. I have yet to receive confirmation that this debt is truly mine. 

The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if XXXX would adhere to as is required by law. 
To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should you not comply with Federal Law. 
( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. 

Collection Account ( s ) - FBCS for the amount of {$1600.00} - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX Transunion XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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.
Consumer complaint received 2022-10-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans-Union was provided with incontrovertible evidence that information on my credit report is false and incorrect however Trans-Union will not take seriously my Dispute and continues to Misrepresent Facts and Information that they know or should know is Wrong, Incorrect and False.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2022 I, XXXX XXXX sent a letter of deletion to Experian via certified mail with tracking number XXXX. 

I received a letter back from Experian on XX/XX/2022 stating their investigation is still pending. 

Pursuant to 15 USC 1681a ( 1 ) - reporting ACCURATE information, until this investigation is complete I am demanding all disputed alleged debts be deleted from my consumer report until the validation process is complete. 

I, XXXX XXXX also under 15 USC 1681b- permissible purpose, NEVER gave Experian written permission to report ANY of these alleged debts. 

Because of these allegations that have been granted permission FROM Experian ( an assumed vital role ) not I, XXXX XXXX ( the natural person, consumer and original creditor ) I have been the victim of unfair and inaccurate reporting.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

On Monday XX/XX/2022, our family Coinbase account was hacked and XXXX XXXX was stolen. Our complaint, is with Coinbase and their lack of support and customer protection. It appears that despite their previous advertisement, Coinbase is not using its " insurance '' to cover any losses from theft from their exchange ( s ), but employing what could be classified as Unfair or Deceptive Acts or Practices according to the Federal Trade Commission Act ( Section 5 ). https : //www.federalreserve.govXXXX Specifically, Coinbase is using its new Coinbase XXXX ( XXXX ) subscription as the limiting qualifying factor in deploying its insurance theft coverage. However, this was poorly publicized and does nothing for any previous Coinbase exchange customers who have had funds stolen. This is highly deceptive and has resulted in the loss of millions in XXXX funds from not just us, but numerous Coinbase customers. 

To date, Coinbase Customer support has done nothing but send template emails and has not directly addressed or answered our questions and concerns to move towards a fair resolution.
Consumer complaint received 2019-11-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Instarem PTE Limited (GA)

Hello - Recently i got myself signed up with a remittance service called 'Instarem ' by providing my identity information ( DL/SSN/Address ) and relevant copies uploaded in the service portal.. After having bad customer service on some sign up related issues, i decided to exit out from the service.. I have not done any monetary business with the firm and it was just a sign up and personal information exchange till then.. 

Based on my decision to exit, i asked service company to immediately close my online account and purge all my identity related documents and information that are electronically held.. I insisted repeatedly many times but company 's support service kept on spinning the issue and unable to answer satisfactorily for the reason holding on to personal data despite of no monetary business.. I did not recall signing any consent form nor firm 's support service were able to direct me to the regulatory need that stipulates holding personal data for unforeseeable future.. They caused me immense stress having my personal information held hostage and wasted my time in follow ups back n forth I'm extremely nervous and do not approve my personal identity being under possession of a third party and in this case with the firm 'Instarem'.. I request CFPB to help me in going after to resolve my concerns and address my demand of getting my personal electronic data purged from systems Date of Issue : XX/XX/2019 Company Name : Instarem Company Type : Remittance Service Email communication exchanged with support team attached Thank you
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2022-01-30
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. (NC)

Article I, Section 10 United States America republic Constitution Hjr 192 Public Law 73-10 48 48 stat 110 pg 112-113 I want all negative remarks removed and to reflect all positive payment history. I want all accounts to reflect paid off. 

Pursuant to 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411.

Article 1 section 10 United States America republic constitution 12 U.S. Code 411. Issuance to reserve banks ; nature of obligation ; redemption Article 1 section 10 United States America republic constitution
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX and I am filing this complaint against Experian for violating my rights under the Fair Credit Reporting Act. During a reinvestigation, pursuant to 15 U.S.C. 1681i ( 7 ) of the FCRA, I was supposed to receive a description of the procedure used to determine the accuracy and completeness of the information on my credit file from Experian no later than 15 days after receiving my request for that description. I requested a description of the procedures used to determine the accuracy and completeness of the information reporting to my file through CFPB complaint numbers XXXX, XXXX and by certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I have not received anything from Experian regarding this matter. It is my belief that no such records exist and my right to privacy has been violated for profit. My financial reputation is being ruined due to Experians blatant disregard for federal law. It is my belief that Experian feels comfortable committing blatant violations of the FCRA because they know the CFPB wont enforce the laws set forth by congress as shown time and time again. Experian has caused me sleepless nights, stress, XXXX, and XXXX due to its profits over the law mentality. Pursuant to 15 U.S.C. 1681i ( 5 ) ( A ) If after any reinvestigation any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX