davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-09
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

I disputed a company by the name of " midland credit and XXXX  has not requested this company to prove the collection account is mine. I do not know who this company is. The amount is XXXX dollars, and I had to ask XXXX  twice to file a dispute. the first time I filed a dispute about this company the dispute number was XXXX, and when I called to check on the dispute they said they did not know what I was talking about. I filed another dispute XXXX, and they did not investigate, they just settled on non-information from this company " XXXX XXXX. I sent XXXX XXXX a dispute and they never sent me proof that the account was mine and the thirty days were up. And I disputed through XXXX  and they did not do a proper investigation. 

XXXX  will not disclose to me how this company ( XXXX XXXX  ) proved that this account is mine, I do not know who XXXX XXXX is. The other account is XXXX  XXXX XXXX  did not ask for them to send information that I owe that amount, the account number is XXXX, I do not owe this amount and I don't know who this is the company is, XXXX  does not request a proper proof. both disputes are under XXXX. When I called the associate, the XXXX  associate had trouble understanding XXXX and I tried my best to explain but the disputes are not properly being verified, and midland credit puts derogatory information on my credit report with XXXX  every other week.
Consumer complaint received 2021-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2021, I purchased a XXXX  for 6 Non-invasive XXXX XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX in XXXX, VA, which cost {$190.00} after a XXXX  discount. I attempted to contact them by phone several times and finally reached them 2 weeks after purchasing. Upon contact by phone, I learned that the XXXX  only impacted the XXXX XXXX of XXXX and due to XXXX XXXX I XXXX XXXX that was beyond the XXXX XXXX so the treatments would not work for me. I contacted XXXX  by phone but an automated message veers customers to an online chat. I submitted a request for a refund per an inquiry form on the XXXX  webpage 3 times between XX/XX/XXXX and XX/XX/2021. After still not receiving a refund back to my original form of payment by XX/XX/2021, I filed a dispute with my credit card company, Capital One. I have since received a letter from Capital One stating that per the merchant, I never cancelled the order which is false. I cancelled the order on XX/XX/2021 and many more times after that via the XXXX website. I could not reach the merchant for weeks after purchasing the XXXX  and when I did, I discovered the service was not conducive to my needs. XXXX has refunded the & XXXX in XXXX XXXX  and not to my credit card as I have asked continually. My credit card company has not refunded the XXXX back to my credit card company and has claimed that I didnt cancel the purchase although I did several times.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I disputed the bankruptcy that is on my credit file, and Experian came back and said it was verified. I sent a follow up letter and it stated on the Experian website that they use XXXX to verify public records. I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

I have enclosed UNITED STATES BANKRUPTCY COURT LETTER for your inspection. Please DELETE these items from my credit report as it is NOT verified! 

THE OCR and E OSCAR VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Enclosed is a copy of the letter I sent to Experian, XXXX and a letter from bankruptcy court.
Consumer complaint received 2021-08-07
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: Experian Information Solutions Inc. (NY)

XXXX XXXX failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between XXXX XXXX and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed XXXX XXXX. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and XXXX XXXX reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avadyne Health Holdings, Inc (MO)

I

was contacted by a company called H & R Accounts at my place of employment, regarding a medical bill. About one month later I received a letter of validation on XX/XX/21 including a detailed statement of medical procedures ( which did not release to them or any other entity ). I believe that is a HIPPA violation
Consumer complaint received 2021-08-08
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. (IL)

I believe XXXX XXXX along with Experian, XXXX XXXX and XXXX has shared my personal information with XXXX XXXX XXXX After I purchased the car from XXXX XXXX I was immediately contacted by XXXX.
Consumer complaint received 2021-08-08
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. (MI)

According to the Fair Credit Reporting Act, these companies are in violation of 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes and they should be removing these items from my report immediately. They have also failed to recognize that only I, the original creditor, can verify. They have violated 15 USC 1681 ( a ) ( 3 ) ( A ) under the exclusion section by including my medical information on my report. Please resolve this matter quickly. I have been denied many forms of credit because these companies are not following the laws that are in place for the consumer. Thank you.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting a 90 day late payment on my XXXX accounts. These accounts were never late. XXXX has already confirmed with me that I have no late payments. This inaccurate reporting has caused my credit score to drop. Please remove late payments. Also, TransUnion has yet to remove unauthorized inquiries from my TransUnion consumer report. I sent them a notarized FTC affidavit concerning these inquiries. Its been two weeks and they have yet to remove these inquiries from my report.
Consumer complaint received 2021-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

ON XX/XX/2021 I XXXX XXXX PULLED MY CREDIT REPORT AFTER CHECKING MY MAILBOX ABOUT OTHER UNKNOWN STUFF THAT CAME IN FROM A PREVIOUS DAY AND NOTICE THAT CAPITAL ONE RAN MY CREDIT WITHOUT MY PERMISSION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHY ARE THESES GUYS RUNNING MY CREDIT REPORT SO OFTEN?
Consumer complaint received 2021-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

American Express recently updated the annual fee for it's Platinum Card and added multiple new benefits, including a $ XXXXmonth statement credit for purchases on certain streaming services ( including XXXX ). My annual fee for XXXX was charged to my Card on XX/XX/XXXX. I did not receive my statement credit for my XXXX charge in XXXX, because apparently you have to complete a one-time enrollment for this $ XXXXmonth statement credit, that I was not made aware of by Amex. The advertising I saw never had any mention of enrollment and you certainly don't have to enroll in the new higher annual fee. I did notice it myself on XX/XX/XXXX, and enrolled, and it was mentioned in my XXXX statement ( dated XX/XX/XXXX XXXX, but I received no notice prior to XX/XX/XXXX or making the charge. This enrollment is definitely not necessary and serves no purpose other than to prevent consumers for accessing this benefit to prevent having to actually pay out a new benefit. Failing to communicate it to consumers on top of that is clearly a deceptive practice.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE
Consumer complaint received 2021-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. ()

I have been contacting Coinbase for 3 months now and they never get back to me. Ive tried emailing them from multiple accounts like Coinbase Pro and regular coinbase and they always say they are going to get back to me, but they dont. They merged my email outreaches and they still have not gotten back to me. This is fraud as they have kept my money and not given it to me. 

I have not been able to withdraw my money from my account. It says withdrawal pending and ETH network blocked for months and I never got the money. I am upset and want the money I earned back.
Consumer complaint received 2021-08-08
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. (OR)

I had a dispute with a lending company because they never sent me any documents, information, or evan the name of the company to pay this small loan off. I assumed they would eventually send me something but no they didn't they just turned it in to Experian as derogatory. I tryed for over a month to reach the company with the information provided by Experian but could not get anywhere in the mean time I had filed 3 disputes which did me no good. Finally with more reserch on line I was able to reach a customer service representative from the company XXXX who found my account but my account had been turned over to a collection agency so I contacted them and finally was able to pay this loan off in full in one payment. After that I tried to get Experian to remove the derogatory remark but would not allow me to file another dispute so I could upload documents to prove I payed it. So I emailed them and by this time I was frustrated behind belief and I made a few derogatory stamens myself about there company and there app. I checked my report today and XXXX is showing the they had been paid but instead of my score going up they dropped it by 83 points. My other two scores are much hire than Experian and I believe this was intentional. 
Sincerely XXXX XXXX
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

In XXXX of XXXX, I got received a letter saying that I had unpaid XXXX taxes due that totaled to {$2900.00}. They had been due at the end of XXXX, but now late fees were being added on. I checked and my escrow account had plenty to cover the cost, so I emailed my mortgage company ( Mr Cooper ) and messaged them on their website. I attached the bill and asked them to pay it. They said they were " reviewing the situation '' but never actually paid the bill. I sent them repeated messages, but they would only say they were " reviewing the situation '' and never took any action. Finally I paid the bill myself, along with the {$380.00} in late fees that had piled up. I messaged them about this and asked for a refund, as they are supposed to handle these bills as part of the escrow account. They sent me yet another letter saying they were reviewing the situation and once again took no action.
Consumer complaint received 2021-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I recently had a collection notice from Portfolio Recovery Associates LLC.

The date of the notice is XX/XX/2021. The amount is XXXX. 

This case and claim was dismissed years ago in XXXX county court. 

I have the records. 

The repeated false notices have caused distress within my household. 

I would like to seek damages against Portfolio for repeated false claims. 

XXXX XXXX
Consumer complaint received 2021-08-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (OH)

I have a Bluebird by American Express Card. I work XXXX jobs and have both of my checks deposited on this card. When checking my balance on XX/XX/21, I noticed that on XX/XX/21 that 2 withdrawals were made : 1st for XXXX - 2nd for XXXX totaling XXXX. These were made at an ATM in XXXX OH, XXXX XXXX location. I work in XXXX, was at my job all day with card in my possession and then after work went to XXXX to buy a few groceries with my card. So on XX/XX/21 I immediately contacted Bluebird by American Express, told them that I did not make these transactions and filed a fraud report. I was honest in telling them I still had the card in my possession - after all I used it at XXXX on XXXX XXXX on XX/XX/21. So the first time I was turned down telling me that these were authorized transactions. I inquired as to what time these transactions were made and no answer. I DID NOT MAKE THESE TRANSACTIONS. I have never withdrawn money from XXXX, OH ATM. I filed a 2nd fraud dispute and was also turned down stating that these were authorized. XXXX XXXX  told me that my card could be duplicated very easily by a skimmer. Bluebird by American Express is refusing to give me my money back. I feel like suing them!!! What do I do??????
Consumer complaint received 2021-08-08
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: EQUIFAX, INC. (LA)

I am pretty adamant about keeping up with my consumer file info and upon reviewing it on XX/XX/XXXX, it was brought to my attention that Equifax is reporting a significantly different score than XXXX and XXXX. The last update posted on Equifax 's website was on XX/XX/XXXX, showing a score of XXXX down XXXX points with no changes recorded. XXXX last updated on XX/XX/XXXX shows a score of XXXX up XXXX points due to the removal of an XXXX XXXX account, two XXXX XXXX inquiries, XXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account, and an XXXX XXXX XXXX  XXXX account. XXXX also updated on XX/XX/XXXX shows a score of XXXX up XXXX points due to the removal of a XXXX XXXX inquiry, an XXXX XXXX account, and a XXXX inquiry.
Consumer complaint received 2021-08-07
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX Original creditor : XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

This is my fourth complaint against XXXX Incorporated. They are attempting to collect a wrongful debt from me. My pervious complaint on was closed because Ms. XXXX from XXXX replied she would sent me proof of this being my debt. Unfortunately, the proof she sent me, is still INCORRECT, the address is wrong, the address is typed in but someone wrote it in the apartment number, and it is still incorrect. I did not apply for XXXX XXXX XXXX. I have not apply to live anywhere, I have a home. This has been the worst. There a laws in place to protect consumers from wrongful debts and Im constantly being ignored. Im not being protected. This isnt my debt please block and deleted this from my credit report, it is an embarrassment to me as a consumer and hard working individual.
Consumer complaint received 2021-08-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tower Loan of Mississippi, Inc. (TN)

I made an agreement with local branch ( XXXX XXXX XXXX XXXX ) and manager agreed. I start making payment every month however she was not reporting the payments. I later received an email that my wages would be garnish. I called the local branch back and was told that there wasn't anything that could be done. I later called the headquarters where the attorney for the branch was located. I spoke with several reps and was told that I received the garnishment due to the manager did not let the headquarters know about my payments. After several weeks of researching, a rep from the headquarters called and told me that it was to late to try to settle however I could my payments to the headquarters and not the local branch. At that time, I was given the amount that was due which included my previous payments. So I paid the amount agreed upon for two more months however I was wanted to be completely done with the company. Therefore I went ahead and paid what I was told the balance. I called to make sure payment was received and asked for receipt of the payoff however I was told that I owe thousands more. The company is taking advantage of me and trying to scam me out of more money. Please help.
Consumer complaint received 2021-08-07
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: CL Holdings LLC (FL)

XXXX XXXX I mailed a certifed dispute letter to JEFFERSON CAPITAL SYSTEM and they never responded nor sent back any correspondence. it has been more than 30 days!

there is multiple inaccuracies on my credit report. 
XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored.

this company is violationing my rights and they have over 1200 complaints on XXXX  they also have over 300 complaints with the CFPB