davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (FL)

SeedFi offered a credit line of {$1000.00} with monthly payments by debit/ach into a separate savings account that is available for withdrawal at {$500.00} increments. in exchange for the consideration of the monthly payments, SeedFi will report a tradeline to the credit bureaus of {$1000.00}. the contract states that the tradeline will be removed only if i default on the payments or prematurely close my account. i always kept my account in good standing and met my obligations under the contract. 

SeedFi sold to XXXX and terminated my account after the sale, rather than maintain and service the existing accounts when XXXX XXXX  institution buys another. because the value of the company sold/purchased is determined by its accounts. In doing this, XXXX defrauded me by accepting monthly payments ( civil theft ) without giving me any consideration for my payments by giving me the product i was enticed into paying for : credit reporting of {$1000.00} trade line. XXXX removed the tradeline from XXXX, causing my score to drop XXXX points, instead of keeping it open or report is as closed and good standing. removing the tradeline entirely makes the entire transaction and contract fraud and unfair and deceptive trade practices. the credit line, loan payments made, all for nothing and resulting in the opposite of what they advertised : negative credit score, rather than a positive improvement. the SeedFi tradeline created an increased credit score after payments were reported. when XXXX suddenly removed the tradeline, it resulted in the loss of any credit reporting benefit retroactively, resulting in XXXX XXXX being enriched by monies i paid them under false pretenses. XXXX XXXXSeedFi violated federal credit reporting law, TILA, TISA and other federal laws and regulations concerning credit, banking and lending.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear. CFPB There is incorrect error in my XXXX XXXX reports. 
Show that XXXX  XXXX cards open and closed. 
I never had XXXX XXXX cards so please Deleted on my credit reports please. 

In accordance with the Fair Credit Reporting act 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 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I have been contacting XXXX to resolve a credit card account since XX/XX/XXXX. The account was paid in full and closed. XXXX has provided provided letters stating this information ; however, they will not update the credit bureaus ( Equifax, XXXX, or XXXX ). I have contacted them numerous times, contacted all three bureaus as well, and the account balance still reflects past due of {$790.00} when the actual balance is now - {$0.00} after making an {$800.00} payment on XXXX 

Attached - Credit information with balance showing Receipt of payment made on XXXX for {$800.00} Three letters from the creditor.
Consumer complaint received 2023-06-14
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-04
Product: Credit 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 (MD)

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute with Capital One Regarding Account Ending in XXXX To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding a dispute I have with Capital One, involving a transaction with XXXX XXXX XXXX on XX/XX/year>, for the amount of {$190.00}. 

On XX/XX/year>, I received correspondence from Capital One stating that my dispute regarding the aforementioned transaction was denied. Despite providing the requested information to support my claim, Capital One re-billed the charge to my account without adequately explaining the reasons for their decision. 

Throughout this process, I have cooperated fully with Capital One 's requests for information and have diligently followed their procedures for disputing charges. However, I believe that my rights as a consumer may have been violated, as the investigation into my dispute appears to have been conducted unfairly or insufficiently. 

I respectfully request that the Consumer Financial Protection Bureau intervene in this matter to ensure a thorough and impartial review of my dispute with Capital One. I seek your assistance in resolving this issue and upholding consumer rights. 

Please find below a summary of the relevant details : Date of Transaction : XX/XX/year> Merchant : XXXX XXXX XXXX Amount : {$190.00} Case Number with Capital One : XXXX I appreciate your attention to this matter and look forward to your prompt assistance in resolving this dispute. 

Thank you for your consideration. 

Sincerely,
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Complaint To Delete Inaccurate Information The Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ) grants you the right to dispute any information you believe to be incorrect, outdated, or unfairly reported in a credit dispute letter. This document formally requests the credit bureaus to investigate the disputed items and correct any inaccuracies. And send proof of reinvestigation including documents received. 

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. 

Account names and account numbers XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Louisiana Recovery Services Inc. (LA)

I reported this account because of the unfair reporting of this. This medical bill was purposely reported as the original claim amount, not what was the balance after the insurance company processed the claim. Regardless of the bill being paid or not the amount of the bill was XXXX, with the new laws passed by President Joe Biden ( XX/XX/2023 ) all medical bills XXXX and under would be removed from credit reports. The only way it could stay is if the original balance was over 500.00 ( and that is what they did ). With this being said the company LRS should not have access to any information from my insurance or medical information. This violates HIPPA! There for the original amount of the procedure and what my insurance paid should not be provided to anyone. The fact that they intentional reported the wrong original balance to keep this on my report is wrong. This is unfair practice of debt collecting, and its wrong. The bill original amount, after the insurance processed it, was XXXX. I have the explanation of benefits. When a medical office bills an individual it is what you owe after insurance.
Consumer complaint received 2023-06-14
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (KS)

CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete the account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all-natural inalienable rights reserved.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I never got a response back from the bureaus. I sent letters out in XX/XX/year> and received nothing to remove personal information that I don't want on my credit report, according to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also according to 15 USC 6802. No financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-08-23
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: Advance Bureau of Collections (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gig purpose.
Consumer complaint received 2023-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NC)

I continue to receive a bill that was accrued during a time where my medical bills were covered via Medicaid due to a serious XXXX, inability to work and months of treatment. I have called and sent them the Medicaid number as well as faxed them proof of coverage several times and they refuse to accept the fact that the bill should ID covered by Medicaid. They tell me thank you and the issue will be resolved, however, I continue to get a bill. Also, each call to them they tell me they are unaware of the Medicaid coverage in spite of me sending and informing them of the information several times over the course of a year. This is harassment.
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

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.I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 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 State : 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.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I never gave any written to furnish my private information to any corporations. 
As of XXXX XXXX Bank has reported an account to my credit report of {$8000.00}. 
They have violated my rights and have humiliated me in front of my friends, family and work place. 
My credit went from XXXX to XXXX with a months time do to this fraudulent activity. 
Im exercising my rights using federal law and demand these accounts to be removed.

15 US Code 1681c 15 US Code 1692
Consumer complaint received 2017-05-19
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. (FL)

I have reached out to Experian several time and they are refusing to remove credit inquires. My Experian credit report displays  XXXX  hard inquires that was n't unauthorized by me. Please remove all credit inquires from my reports.
Consumer complaint received 2023-08-23
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: Farrell Holdings, LLC (TX)

Online disputes were filed with all XXXX credit bureaus on : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and dates older regarding an account where the balances are incorrect. 

The original balance is listed as {$8700.00} but the past due balance is {$15000.00} which is not at all possible given the original balance was only {$8700.00} not to mention the car was resold and that amount was not deducted from the balance. 

I have even worked with credit repair companies and this account is still listed on my report incorrectly. After the dispute investigation its only reflected as updated with no changes and no one contacting me via phone or mail acknowledging that a dispute was received. In my opinion, no investigation was completed and this is not just applicable to this account but all accounts that I have disputed in the listed dates above and prior to those dates. I am aware of the Texas code for financial institutions in that surety bond info must be accurate and active in order to do business in this state. After a thorough search, no surety bond information was located for the company listed above. Also when attempting to reach out to that company, there is misleading information about when needing to file a complaint or concern.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc. (CA)

Coinbase has decided to freeze my account and will not allow me to withdraw my funds from the " vault '' on their website. I got most of my money except for the XXXX BTC from it, which is a few grand, they will not release. 

I opened a complaint a couple of months ago and coinbase said nothing is wrong with the account, and that i can withdraw it anytime, and closed the complaint, WHICH IS NOT TRUE. REF - XXXX When logging in, it brings up a page saying they closed the account and to withdraw funds. Whenever trying to withdraw them to another bitcoin address, it freezes on " Loading '', all after typing the SMS 2FA code and the receiving address. 

PLEASE FIX THIS ISSUE. 

Thank you
Consumer complaint received 2023-02-26
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. (AL)

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. 

Below are the name of accounts and numbers XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX  : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX  XXXX  : # XXXX theses accounts above, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (VA)

We have paid off the loan back in XXXX or XXXX but recently when I tried getting the title from DMV in XXXX, it turns out there is a lien from Honda Financial. I called them but they dont have a record of the old loan and not sure how to go about releasing the lien XXXX VIN for the vehicle is XXXX.
Consumer complaint received 2023-06-14
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (NJ)

XXXX 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 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NC)

Citi  Dividend  World Mastercard c harged a foreign transaction fee.     When I signed up for the card a few years, the "  World '' Mastercard was not supposed to have any foreign   transaction fee.   I used this card to for a purchase in  XXXX   XXXX .   The purchase amount was  XXXX   XXXX  Citicard applied a 3 % foreign transaction fee, total {$130.00} When I talked with a   Citicard customer rep ( online chat ), she forwarded me the agreement for the card, that had 3 % fee.
Though, I know when signing for this " World '' card, Citi promised 0 foreign transaction fees.
Before making the purchase, I checked my account on citicards.com. The account website does not list this fee anywhere on the screen.
They send the card agreement via mail in 8-10 days.
  Citi card is making this information   difficul t   to find.