davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I would like to file a Fair Credit Reporting violations report against this credit bureau. They continue to report a XXXX XXXX XXXX account on my credit report incorrectly. I brought this to there attention and up to this date they have not deleted it from my credit report of fixed the matter. On XX/XX/2021 I requested from this credit bureau there method of verification as it pertains to this account as this is my rights under the Fair Credit Reporting Act. Seven months have passed since I made that request and that method of verification has not been sent to me as yet. I am enclosing a copy of the letter that I sent them asking for such a request and a receipt from the post office showing that they got the request. The Fair Credit Reporting Act clearly states that a credit bureau has 15 days after they have received a request from a consumer for there method of verification for them to provide it to the consumer. 
Seven months have passed and I have not gotten the method of verification and this is a clear Fair Credit Reporting Act violation for which I can seek damages for in the court of law. The Fair Credit reporting Act states that if the credit bureau is unable to furnish the item requested then this account should be deleted from my credit report. 
I am therefore asking you to delete XXXX  XXXX XXXX from my account due to the continued reporting of incorrect information on my credit report and for not providing me with your method of verification which is a Fair Credit Reporting Act violations. Kindly delete XXXX  XXXX XXXX from my account immediately please.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

I am an American Express Credit Card holder and have recently experienced a troubling and deceptive practices by this vendor. For example, I recently paid my account in full for XXXX statement ( closing date XX/XX/XXXX ) before the due date of XX/XX/XXXX. Per the credit card statement disclosure in my XXXX statement, it states : Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay each month your entire balance ( or, if you have a plan outstanding, your balance adjusted for plans ) by the due date. 

I paid off the entire outstanding balance in XXXX and before the due date, therefore why did I accrue interest? American Express was able to waive the interest under a one-time courtesy, however as a consumer I was compelled to raise my hand after seeing the printed disclosure reflected on my statement and via the CFBP website. The American Express online billing allows a consumer to pay minimum payment, statement balance, total balance and other amount. I was told by American Express if I wanted to avoid interest charges, I would need to call customer service for them to generate a payoff balance and make a payment with the representative. Again, very deceptive practices, given my choice was to select total balance in full and I was still charged interest. All the options to pay off a balance via their online application, neither of the options calculate an actual payoff balance. This information again is not stated on their disclaimer, on how to truly avoid interest. One must call and speak to an agent. 

Account # XXXX XXXX XXXX
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND FUNDING ( account number XXXX ) is attempting to collect a debt from me that was paid. This debt has already been paid. The money was garnished from my wages. The original creditor was XXXX XXXX XXXX. The payment number is # XXXX.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX These accounts were created when my identity was stolen and I want them removed and deleted from my credit profile
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-10
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. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I called on XXXX XX/XX/21 XXXX Citibank about my credit account. I noticed some unknown charges every month for {$59.00}. Did not recognize the name of the company charging my account? I google the name and found nothing about the company so, I called Citibank to stop these charges. I did NOT authorized them to charge my citibank card. 
Citibank closed the account and said they would be sending me a new card. 
I received the new card but NO invoice/statement for the month of XXXX which I was still waiting to pay XXXXXX/XX/XXXXpayment. Yesterday XX/XX/21 I received a invoice/statement from citibank stating I'm in collections. I called them on XX/XX/21 and they told me I had to make the payments for the month of XXXX and XXXX. I told them I did NOT have a problem paying them but I still did not yet know what was my new account? I needed the account number in order to create into my on-line banking to make the proper payment. 
As far they were concerned it was not their problem and to just make the payment. Again I don't have the problem making the payment just needed a invoice/statement and what my new account number would be. unbelievable trying to do the right thing. And I get XXXX? Why?????
Consumer complaint received 2021-10-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

My initial broker sold my loan to BSI Financial Services. Escrow is collected monthly to cover 2 separate HOAs. BSI failed to pay the annual assessments when they were due. One was paid over a month late, the other was 3 months late. Late fees, interest and collection notices were assessed to my account along with threats of foreclosure. After months of countless calling, one association was resolved. I am now working on the second association, which is still unresolved. I am attempting to refinance the loan in order to sever ties with BSI Financial, at significant cost of pre-payment penalties. That refinance may be threatened due to their mishandling of my account and inability to resolve a fairly simple problem. Upon investigation, I learned that this company has a history of this very situation, resulting in legal action for federal offenses. I am reporting that BSI Financial did not resolve their process flaws, despite the federal charges, the settlement they paid, and their PR statement committing to resolve to improve.
Consumer complaint received 2022-02-04
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)

After being denied credit, I pulled my report and noticed several loans I did not obtain. TWO loans in particular are student loans from the federal government that has been removed from my credit report on many other occasions. These accounts were removed in XXXX, twice in XXXX, XXXX, and three times in XXXX. Since XXXX I have supplied the bureau with countless police reports ( 4 to be exact ), 4 ftc reports, 2 different signed affidavits etc. however this bureau is seemly the only bureau who keep allowing, not only the reinsertion of these two loans but keep claiming to have validated them but will not inform me on who it validated, who validated and by which method. 

these loans were taking out during the same time frame, obtained online and used my old address. I contacted the credit bureaus and was told to obtain ANOTHER police report, get ANOTHER signed affidavit of identity theft and report the accounts to the federal trade commission AGAIN. Per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

the bureaus are now telling me I am not an identity theft victim but placed an identity theft notification on my report. 

AGAIN, these loans are federal loans that previously reported and REMOVED under XXXX, DEPT OF EDUCATIONXXXX AND IS NOW REPORTING AS DEPARTMENT OF EDUCATIONXXXX AND OR JUST XXXX AND/OR XXXX XXXXXXXX XXXX XXXX. literally every few years the name changes but they are the same fraud loans.
Consumer complaint received 2022-02-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
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. (DC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-04
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. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 To somebody who can help me. I am very upset about the erroneos things I see on my cradit report. These accounts are unverifiable, invalid, inaccurate and questionable. If all information reported on my report is not 100 % accurate, it must be removed. I hope you can find out what's going on and locate who the inaccurate information belongs to. Can you expedite this quicly? It is my to understanding, that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of the receipt of this letter. According to the law unverifiable, innaccurate, accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help with this matter. 

1. Billing error XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 




Sincerely, XXXX
Consumer complaint received 2022-10-10
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: REGIONS FINANCIAL CORPORATION (TX)

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. 

Enerbank USA - Account # XXXX The above account have 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, states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section, states that 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 2021-10-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (OH)

After carefully reviewing my credit report, Spring Oaks Capital LLC has listed a collection account for {$610.00} for acct. # XXXX. I never received any communication from this company, right to dispute, validity of said debt. I've never done business with them. I know my rights under the FCRA and this company is in violation. This account can't be 100 % accurate either as there are open dates and amounts that varies between the 3 bureaus. An account can't be opened on different days. I want the alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XX/XX/XXXXXXXX XX/XX/XXXXNA Account # XXXX is reporting as an delinquent account that I have for over 5 years with no late payment and this is inaccurate. I have never missed a late payment within the 5 years I have had this account so for the Late payments on XX/XX/2018, and XX/XX/2018 marked as 30 days and 60 days late respectively has to get updated across all 3 bureaus and reported right as this is inaccurate and all inaccurate, wrong reporting information has to get removed from the credit report according to the FCRA. See attached documentation.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I submitted a dispute to all three credit reporting agency and the results are as follow Experian- the dispute was open on XX/XX/XXXX they responded saying that they update the account to reflecting a new date of XX/XX/XXXX which is the reason I filed dispute in the first place they are re-aging the account XXXX reopened the account as of XX/XX/XXXX which was original closed in XXXX of XXXX how could they reopen account that was reported closed and charged off by the original creditor. 

Experian is also re-aging the account reflecting that the account is opened as of XX/XX/XXXX All three companies are violating my rights with re-aging this account in which I did get a response from the original creditor XXXX XXXX XXXX which does not show where they sent any info to these credit reporting companies to re-age accounts. 
I don't think that these companies did an accurate job in investigating this dispute they never sent me anything about how the investigated or what process they used to investigate.
Consumer complaint received 2022-02-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-28
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. (NY)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since XX/XX/2021 I have tried on multiple occasions to fix my personal incorrect information that is on my credit report. I have sent multiple letters with no responses. All of my letters have been ignored. All I wanted is my drivers license and proof of residence information to match. The information reporting on my credit report is incorrect.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

CREDIT COLLECTION SERVICE is attempting to coolect a debt from me that I paid off already. XXXX was the original debtor. The account number is XXXX. 

The reference number for the file is # XXXX. 
The confirmation # is XXXX. 
The psyment was {$190.00}. 

This account has been paid in full.
Consumer complaint received 2021-10-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MD)

My account has been disabled, and I have not been able to get into my account since XX/XX/2020. I have tried numerous times to reset my password the system lets me reset my password, but still I'm not able to get in. I have open numerous customer service tickets with support, but still have not have this resolved, I have spoken with support they say they are going to escalate the issue but again, they have not solve my issue. My account has grown in value, but I can not trade or sell due to not able to get in.
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I checked into the XXXX XXXX XXXX XXXX, NV on XX/XX/XXXX and they took a {$400.00} deposit. On XX/XX/XXXX they settled for {$350.00} and now it's XX/XX/XXXX and Venmo Debit Card is lying saying that the transaction isn't complete even when they see that the XXXX XXXX captured the lower amount and won't make the remaining funds available for use.