davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (NC)

on XXXX/XXXX/2021 i called revco solutions to talk about my credit card debt with XXXX. i understand this account was sold to them from XXXX. However, I did not receive anything saying my personal loan debt belonged to this company from XXXX. the lady stated on today XXXX/XXXX/2021 that i have two accounts with them from XXXX. it should only be one, the credit card debt. i do not trust this company sorry.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent out a dispute letter via certified mail to TransUnion on XXXX/XXXX/2015 and received a receipt showing the letter was delivered and received on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and I have yet to receive any type of response from TransUnion. According to the FCRA all accounts that were disputed must be removed because the accounts could not be verified in that 30 day time frame period. I will include the original dispute letter and certified mail receipt when submitting this complaint. Thank you.
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (NM)

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

XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00} ; XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$29000.00}.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is fraudulent information from XXXX XXXX XXXX XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX XXXX XXXX XXXX XXXX. I hereby request that XXXX XXXX XXXX XXXX XXXX. Remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXX XXXX XXXX XXXX XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX XXXX XXXX XXXX XXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXX XXXX XXXX XXXX XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-11-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: i3 Lending, Inc (CA)

XX/XX/XXXX.We as buyers paid XXXX XXXX XXXX a {$5000.00} points fee by his require because he told us he is a loan broker. But he does not have an active status on NMLS ( NMLS XXXX ). 
Also, the loan did not get through, we need a refund.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (TX)

I've received numerous credit advisory e-mails with misleading information I have received multiple emails telling me of my outstanding approval odds for various types of credit accounts, and have taken their advice to my detriment by being denied credit and taking hard inquiries to my credit report- further lowering my credit score resulting in not being able to acquire new credit.
Consumer complaint received 2017-10-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security National Automotive Acceptance (TN)

I had a car that was financed with SNAAC and repossessed in 2014. 

No deficiency judgment was ever obtained. I was never given a written itemized list of the amount owed and it is now appearing on my credit report.
Consumer complaint received 2016-01-14
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Financial Filing & Reporting, Inc. (CA)

Received a phone call at XXXX claiming that this XXXX XXXX was trying to reach out about a lawsuit that was attached to the social security number and that action needed to be taken asap. I googled the phone number that was on Caller ID and it is not registered to the place XXXX was claiming she was calling from. XXXX claimed she was calling from GLC Associates but when I searched the company their website said they were a work safety consulting company. I searched the XXXX number and a GCL Financial Group came up with a lot of consumer complaints. I also searched the XXXX for GLC Financial groups where consumers complained of this company being a scam and taking money.
Consumer complaint received 2022-12-17
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. (TX)

I recently sent letters out to the credit agencies on XXXX  stating that I disagreed with the investigation that was done in regards to my credit report. I requested that they provide the method of verification, including the individual with whom they verified the account with ( names and business addresses ) so that I may follow up with them. They have not responded to me within the 30 day window and are now in violation of the The Fair Credit Reporting Act. ( 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 2022-05-23
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 
-15 U.S.C 1681 section 602 A. States that I have a right to privacy.

- 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.

- 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Consumer complaint received 2024-02-17
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. (AZ)

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. 

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 2023-02-06
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. (NY)

I've disputed incorrected information on my credit report. And issue have not been resolved. My understanding from my research is that incorrect information must be deleted or corrected. Due to this i will this information deleted of my credit report. Thank you
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I contacted XXXX to inform them that they had information on my credit report that did not belong to me. Someone else 's name, address, jobs, and credit info was on my report. I expressed that I had the same problem with XXXX and they found someone else 's SSN on my report. XXXX pulled it from my report and the problem was solved. TransUnion told me that was not possible and to just dispute everything that was wrong and that was the best way to remove it. I did XXXX times and only a few things were removed, but not the names or jobs or most of the credit info. I contacted them many times explaining that the info did not belong to me but they told me that the info they had was what the companies were reporting to them. I called a few of the companies and none of them had any record of me having contact with them. I tried to get them to send something to TransUnion to let them know but they stated that because they had no record of me it was nothing they could do. Finally I requested someone higher in TransUnion call me and I told them what happened. They told me that I had XXXX SSNs on my report and that they would have the one that did not belong to me removed. This was after XXXX months of me trying to tell them that was the case. They sent me a full credit report and to my astonishment they had removed the wrong XXXX. I confirmed my SSN with the man XXXX times before we got off and it was still wrong. They refuse to remove it and put mine back and told me I had to prove my SSN before they would. They only option they gave me was to send a copy in the mail which I do not feel comfortable doing as I am constantly receiving mail that does not belong to me.
Consumer complaint received 2021-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I was manipulated to buy a new coin listed by Coinbase on this Tuesday XX/XX/2021 and Wednesday XX/XX/2021 at very high price and this crypto platform decided to delist it after doing something to make the value drop very low. They are now freezing my fund which is already lost in half. The coin increased 6 folds in a few hours so when it dropped down, many people included me saw it as a dip and bought at high-price. Coinbase allowed us to buy at that price but then delisted it at very low-price within 24 hours! It shouldn't be called or quickly fixed into a " stable coin '' if it wasn't behaved as a stable coin! Coinbase shouldn't let people buy at higher price than its intended " stable value ''. They shouldn't get customers ' money at higher price, print a lot of coins and keep the coins for themselves while customers definitely lose the money. Who would invest on that? The behavior is extremely unusual and signaling a scam scheme. Coinbase also fixed up its chart so it never showed the peak at 6 folds, but I have proof from an independent crypto chart. I am very upset because the coin value was misleading, and this whole time I could use this fund to invest on another coin of interest and earn 4 times profit. But right now, not only my fund is cut in half, it's also frozen and coinbase has no answer on reopening date and compensation. Coinbase has done this sometimes in the past when I traded other coins. I wasn't able to sell my coins when it's at higher price ; by the time I was able to sell, it's already low and I lost much money. However, they let me trade or transfer to a coin that's losing value suddenly ; the result is that I also lost money that way. Their buying price is usually 10 % higher and selling price is 10 % lower so many times I made no profit or just lost ... despite the fact that the coin value increased after I bought it! So far I lost a few thousands with coinbase, but this incident alone is a clear case of abuse and scam.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called XXXX, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On XXXX internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over XXXX dollars a month.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

The following Capital One XXXX Rewards Card ending in : XXXX is a fraudulent account. I never applied for the credit card account. The account is fraudulent and not my account.
Consumer complaint received 2021-11-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SCA Collections, Inc. (NC)

I sent a certified validation letter on XX/XX/2021 to prove that I owe this debt with my signature that I approved this service, medication that was taken, all doctors involved and my medical history. The collection agency did not prove that this debt of {$250.00} was my responsibility. They didn't prove I sign for any service
Consumer complaint received 2019-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (UT)

Hacked family member XXXX  account, government grant scam, suggests you can get money from a grant, refers you to some fake XXXX  person, they ask for some details then ask for money, the more money you give them, the more money your " grant '' is. 

Chase was not interested in resolving the issue or prosecuting the bank account holder : The final details, including the bank routing number : This is our cashier information you are going to make the payment to through Chase Bank Bank Name : XXXX XXXX  XXXX  Routine Number : XXXX Acct Number : XXXX You are going to get a Cashier check and make the deposit into Chase bank
Consumer complaint received 2022-12-17
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)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 corrected : XXXX XXXX XXXX : {$20000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Consumer complaint received 2021-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (NC)

I would like for the NAVY FEDERAL CR UNION to show proof of verification that I owe them {$3.00}, XXXX with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 
In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Capital Recovery, LLC (TX)

I am being charged {$290.00} from Fairway Capital Recovery on XX/XX/XXXX for XXXX XXXX XXXX Headquarters. I have not been a part of this organization since the end of XXXX. I have NEVER received an email, call, or notice of debt collection or fines when i was in this organization and when i had left this organization. There is no proof that I owe this.
Consumer complaint received 2022-12-17
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 corrected : XXXX XXXX XXXX : {$20000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Consumer complaint received 2022-12-17
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. (MN)

In accordance with fair credit reporting act. the list of accounts shown below have violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 convergent account has violated my rights. petal 1, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, also XXXXXXXX XXXX XXXX  usc 1681section602a states i have a right to privacy.15 usc1681 section604a section2 it also states a consumer reporting agency can not furnish account without my written instructions, and i did not give written consent.15 usc 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) 1 ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and transunion