davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services (WA)

I set up a Settlement Agreement on my Account to Settled in Full in two installments of {$750.00}. I awaited to get a Settlement Agreement Letter in which I had to call after my first payment went through to get someone to send me a copy of the AgreemeXXXX. When I asked how long after my last payment goes through should I await for my Settled my account and balance is {$0.00}. I was told by the agent that is something his company does not do due to large inventory of accounts. I told him that is something required by law that we should receive and was told that if I was worried about Credit Reporting then I would have to wait. When my payment went through yesterday XXXX. I emailed the Recovery Agent XXXX to ask for a letter to reflect my balance in {$0.00}. He told me that I needed to call the XXXX line and talk to the same agent that setup my settlement agreement. When I asked " As a Recovery Manager, you are unable to provide me this information? '' His response was " I only send letters via email. I emailed back stating " Well you agent had told me previously that is something your office does not do because your company has a lot of accounts. Frustrating that I wasn't given a settlement agreement letter when it was first set up and to hear that a Recovery Manager can't even provide me any information. Well I guess another CFPB complaint is needed. ''
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts have been investigated and previously removed from my credit report, still the are kept in my credit file. 

These accounts are fraudulent accounts on which the creditor did not comply with the Fair Debt Collection Laws by notifying me and providing means for payment or clarification as for the accounts details. 

These are account are the followings : 1. XXXX XXXX XXXX | XXXX : Original Creditor XXXX   XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$500.00} 2. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$650.00} 3. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$4100.00} 4.  XXXX XXXX XXXX XXXX XXXX : Account Owner Individual Account. Original Creditor XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX, Balance Owned {$800.00} I request intimidate action on investigating and removing these accounts from my credit file.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

CFPB, XX/XX/2023 To whom it may concern, On XX/XX/XXXX, I went on the XXXX XXXX website and noticed that my Transunion credit score had dropped XXXX points. Also, I've noticed that my XXXX scored dropped XXXX points. Therefore, I've contacted both Transunion and XXXX to no avail. They both told me that they were unable to disclose any information about my accounts with them. Both companies representative just gave me bureaucratic jargon. The only thing that was straightforward was the information posted on XXXX XXXX website which I have enclosed. 
Transunion website stated 1 change : XXXX XXXXXXXX XXXX account balance decreased between XX/XX/2023 and XX/XX/2023 credit card balance decreased by {$170.00} from {$240.00} to {$70.00}. Note : Credit card limit is {$1300.00}. Transunion stated nice work you using less than 10 presents. All payments made on time. 

XXXX XXXX changes were Balance increased, balance decreased, payments made on time and account information changed. 
XXXX increased : First Access/TBOM balance increased between XX/XX/2023 and XX/XX/XXXX by {$7.00} from {$9.00} to {$16.00}. XXXX stated great job you still using less than XXXX percent. 
Balance Decreased XXXX XXXX XXXX . Balance decreased by {$170.00} from {$240.00} to {$70.00} Payments made on time Account information changed : I've spoken to representative in regards to this matter. Note : XXXX XXXX is the credit card issued by the XXXX XXXX XXXX  ( XXXX ). Still, nevertheless, my scores should not drop XXXX Transunion points and XXXX XXXX points by bringing my utilization down from XXXX percent to under XXXX percent and making on time payments. I have {$2700.00} credit line with very low utilization ( less than XXXX percent ).
Consumer complaint received 2022-05-22
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX has violated my rights. 

15 U.S.c 1681 section 602 A. States 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 a account without my written instructions.
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I paid my balance in full last month, yet was charged interest because I did not pay the balance the month before. It was explained that even though I was already charged interest on the previous months charges, and then paid the account balance prior to the due date as it was billed, I was being penalized for not paying it off the month before and that the Capital One cards are not like other cards, in that the only way to avoid interest is to pay it off each and every month. Again, I paid the balance in full prior to the due date. Also, when asking that the XXXX-dollars and some change be waived as a courtesy, I was advised that there were currently no offers to waive the fee.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have forwarded this information over to XXXX XXXX and TransUnion to remove this late payment from my credit profile I spoke with a representative on XX/XX/XXXX with all three bureaus and they have refused to do so self financial lender has agreed to remove the late payment from XX/XX/XXXX from my credit report and the bureaus are not taking this removal seriously and is refusing to remove this from my payment history this had been a headache and has been negatively affecting my credit score as I am trying to buy a home I have attached the proof that XXXXXXXX XXXX XXXX wants this removed from my credit report and these companies are giving me a hard time removing them!!
Consumer complaint received 2023-02-06
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. (PA)

My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On XX/XX/XXXX ( 17 days ago ) I wired {$6300.00} from my personal bank account and it still has not been depositted into my USD wallet. I opened a support ticket ( # XXXX ) two days after sending the funds ( on XX/XX/XXXX ) but I have yet to receive any useful information about my transfer. I have left numerous requests for update on the ticket and with no response. 

I have called the support number twice and spoken to two different reps after 20+ minute wait times. Both reps told me that they can not access this information but they will escalate the ticket to a specialist and I would be contacted back. Coincidentally, both calls ended with them hanging up on me followed by a response to my ticket stating " Sorry, we got disconnected ''. After the last call on XX/XX/XXXX, my ticket was marked as closed even though they did n't give me my money. I immediately reopened the ticket asking why it was marked as closed but I have n't received a response in 3 days now. 

Also, on XX/XX/XXXX I went back to my bank to make sure they did n't mess this up on their end. They ensured me that the money was successfully deposited into Coinbase 's bank account. They gave me the confirmation number which I included in my ticket. 

Attached to this complaint is proof of my wire transfer provided by my bank and the full transcript of my communication with Coinbase support via my open ticket.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (WI)

Right before the pandemic launched, I lost my XXXX American Express credit card and was waiting for a new card to come in the mail in XXXX of 2019. The card was sent priority mail and delivered to my front door. Someone stole the card and attempted to withdraw cash at an ATM ( per American Express ). This now has an open balance which is fraudulent and should be disputed. Then, I received an email stating I was approved for the XXXX American Express credit card that I did not apply for in XX/XX/XXXX  2019. Again, in XXXX of 2019 I received a letter in the mail stating I had applied for the XXXX XXXX American Express credit card, but I had not applied for this. I called American Express and reported all three instances immediately. I have followed up NUMEROUS times with employees hanging up in my face and NO RESOLUTION to date including details around the identity theft. This negatively impacted my credit score and I was unable to secure housing due to the derogatory remarks. I am now a victim of identity theft and am still waiting to hear back from American Express.
Consumer complaint received 2022-05-22
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, WI BANKRUPTCY 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 2023-02-06
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. (MO)

Consumer reporting agencys ( equafax, XXXX ) they are illigally attaching the transaction history. Payments made, on time or late. Account History. Credit usage. Against my rights under the congress passed FCRA law.
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: EQUIFAX, INC. (LA)

see attached!! I've previously submitted a CFPB complaint on the credit reporting agency for reporting fraudulent transactions on my credit report although I've attached a copy of Identity Theft Report. These items need to be removed from my credit profile promptly!
Consumer complaint received 2023-02-03
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. (GA)

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 ITEMS. 
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 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX, also notated as XXXX was deleted from my TransUnion report. It was reinserted and I was not notified by any parties. The credit bureaus must notify you within 5 days of the re-insert date. If a previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. 

XXXX XXXX has failed to report my challenges as " disputed '' to all 3 credit bureaus, including TransUnion, for several months. A fine can be sought for each month and each bureaus for which XXXX XXXX was and is in violation.
Consumer complaint received 2023-02-03
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. (MD)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 2023-02-03
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (SC)

Was aggresively told I should get gap insurance or chances of loans might change, and that it could be removed after a couple of years to reduce my car payments. Yet, when attempts to call the loan services that was not possible. Should have never gotten this gap insurance.
Consumer complaint received 2023-02-02
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. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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. (GA)

I demand these account be removed immediately! These accounts have violated my rights to privacy pursuant to XXXX XXXX XXXX. XXXX XXXX And XXXX XXXX XXXX have violated my right and I sent them multiple cease and desist letters without prevail. Make sure they receive them and delete these accounts of my consumer report! 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. 


Attached is the cease and desist letters for both companies!
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MS)

Somehow, an Amazon/Chase credit card account was evidently opened in my name. 
I have been caught in this for about 4 months. I called Amazon, they said I had to call Chase. I have called them 2 times. They told me that the card would be canceled. I don't even know the card number. They say I owe {$32.00}. They told me they would cancel the charge and cancel the card on both calls. Yesterday, I got the same bill as when this started. I don't know what to do. thank you
Consumer complaint received 2023-01-18
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. (TX)

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write todispute certain items in my file resulting from the crime. The items I am disputing do not relate to anytransactions obtaining any possession of goods, services, or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from the alleged identitytheft. The following items listed below are unknown to me. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance : - ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : - ; XXXX XXXX  XXXX  ( Original creditor XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$350.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$240.00} ; XXXX XXXX ) Original creditor XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX Balance : {$710.00} ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX ; XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Consumer complaint received 2022-05-22
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. (TN)

Experian, XXXX, and XXXX have violated my rights. 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 supposed to share my information with any third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-18
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. (KS)

In accordance with the Fair Credit Reporting Act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX  : # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 ; States a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.