davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

Hello, My name is XXXX XXXX. I was first made aware of XXXX debt when I was in the process of refinancing I. XXXX of XXXX I sent a 623 letter to all 3 credit bureaus requesting proof of debt. I never received any information. On XX/XX/2022 the collection charges was added back on my credit for the amount of {XXXX} by XXXX XXXX XXXX. This company is in violation and I would like them to be removed from my credit report immediately. 

Thank you
Consumer complaint received 2022-04-11
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 Account # has violated my rights. 

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

15 U.S.C 1681 section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

received notice of outstanding debt in the amount of {$2800.00}, on behalf of " XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX When moving out, all finances have been settled, a " move out protocol '' has not been issued and no repairs were requested before move out. Any alleged repairs conducted after and not even informed or coordinated are not acceptable. 
Debt collector FCO, XXXX Md, issued the debt notice, upon phone call onXX/XX/ was informed that the debt has been " disputed '' ( not by me, so by whom? ), and today received ledger thru FCO from apartment company, with statements i am unable to confirm. 
My address and phone credentials have not changed since XXXX ( I was rent guarantor ), and have not been contacted by the rental company at all in the meantime.,
Consumer complaint received 2022-04-11
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX.io ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of 19,000 USD was transferred from my wallet utilizing Coinbase services
Consumer complaint received 2022-04-11
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. (FL)

I Have Missing Payments That Are Supposed To Show Up On My Credit Report, This Information Is Vital And Should Be Reported. No Information Should Be Missing From My Credit Report. Meaning I Believe That All Months That This Credit Card Is Used Should Be Reported On All Bureaus. Please Fix This Immediately. IAM Currently Having This Issue With Transunion And XXXX. But I Am Asking Please Fix This Immediately ... Information And Account Activity For The Month Of XXXX Has Not Been Reported. And I Am Extremely Disappointed In This Absolutely.
Consumer complaint received 2022-04-11
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. (FL)

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-11
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. (SC)

I would like to file a complaint against Equifax, XXXX, and XXXX because the credit companies are not complying with their own policies in a timely manner. I have sent out numinous letters of a Demand to Comply letters. The personal information on my credit report is not correct. These discrepancies have a huge impact on my credit report and i would like for these ideas to be removed immediately.
Consumer complaint received 2022-04-11
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. (SC)

I would like to file a complaint against XXXX, XXXX, and Experian because the credit companies are not complying with their own policies in a timely manner. I have sent out numinous letters of a Demand to Comply letters. The personal information on my credit report is not correct. These discrepancies have a huge impact on my credit report and i would like for these ideas to be removed immediately.
Consumer complaint received 2019-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

This is the information that I requested from Portfolio Recovery! 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received non of the information I requested. 

I did not receive this information!
Consumer complaint received 2022-04-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Dot XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I Have Missing Payments That Are Supposed To Show Up On My Credit Report, This Information Is Vital And Should Be Reported. No Information Should Be Missing From My Credit Report. Meaning I Believe That All Months That This Credit Card Is Used Should Be Reported On All Bureaus. Please Fix This Immediately. IAM Currently Having This Issue With XXXX And XXXX. But I Am Asking Please Fix This Immediately ... Information And Account Activity For The Month Of XXXX Has Not Been Reported. And I Am Extremely Disappointed In This Absolutely.
Consumer complaint received 2022-04-11
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. (SC)

I would like to file a complaint against XXXX, TransUnion, and XXXX because the credit companies are not complying with their own policies in a timely manner. I have sent out numinous letters of a Demand to Comply letters. The personal information on my credit report is not correct. These discrepancies have a huge impact on my credit report and i would like for these ideas to be removed immediately.
Consumer complaint received 2021-05-14
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: SYNCHRONY FINANCIAL (FL)

The company is listed as SYNCB/TJX CO which is TJ MAXX. I am showing a Hard Inquiry from both XX/XX/2019, and XX/XX/2019. I don't recognize nor did I authorize either of these and although both are due to drop from my XXXX  report in the next few months, both were supposed to be removed that year. I am not sure why they are still there. I was told they would be removed at the time.
Consumer complaint received 2022-04-11
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. (WI)

In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 

XXXX XXXX XXXX SERVICES - XXXX XXXX XXXX XXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX BANK XXXX XXXX CHILD SUPORT XXXX/ XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy. 

XXXX XXXX XXXX section A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-11
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. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-04-11
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. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2018-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

To whom it may concern, I took summer courses in the summer of XX/XX/XXXX, which was paid for by Sallie Mae which later turned to Navient. The amount of the private student loan was XXXX USD. In XX/XX/XXXX, I graduated from XXXX University, and I attended XXXX University to pursue a Master of XXXX XXXX. I informed Salliemae, I will begin my XXXX XXXX. I was informed as a XXXX student, I will not need to begin repayment on my student loans, and will put my loans in a type of deferment or forbearance status. A degree I finish in XX/XX/XXXX. I began repayment on my loan in XX/XX/XXXX. To this day, I have paid XXXX USD. Navient contacted me for a refinance on the loan through their own company XXXX, and my balance remaining is XXXX USD. I have contacted Navient a number times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with regards to this matter, and received no possible explanation. I am seeking help with this matter, and I refuse to pay Navient another dime. I have attached my payment history for the life of the loan.
Consumer complaint received 2022-04-11
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. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-04-11
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)

In accordance with the Fair Credit Reporting act XXXX Dot XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 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 2022-04-11
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 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 2022-04-11
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On the XXXX of XXXX, while reviewing my checking account online, I noted 2 official check requests for a total of nearly {$5000.00} which I had not authorized and had no knowledge of. I immediately contacted USAA through their secure chat line and reported them. Shortly thereafter an email from USAA said a temporary block was placed on my Ipad/tablet for the signature Visa ending in XXXX. XXXX pay transactions will not be permitted but the card can still be used. That was the only communication received from USAA. 

Two days later I tried to get a withdrawal from an ATM and was denied due to insufficient funds. I immediately contacted USAA and was told both my checking accounts were frozen as part of the fraud investigation, and would be frozen for 3 business days. 

On the XXXX of XXXX, I checked my account online and found they were still frozen, and that a fraud affidavit had been mailed to me. I asked they send it by email, but that was declined and it will go to my mail forwarding service, and I will get a pdf of its contents in several days. However, I will not get a hard copy for at least 2 weeks after I return to the US. I was also notified that the fraud investigation may take up to 180 days and may not restore the funds, depending on whether they could be recovered. 

On the XXXX of XXXX, I checked again online and found my account still frozen. I was told by the chat assistant that they would submit a request to the fraud department to find out how long to expect the account to be frozen, but it may take up to 3 days to get a response. I asked about a property tax payment I had scheduled through USAA Bill pay in late XXXX, which USAA said had been completed on XXXX XXXX, but had not yet cleared my account. The assistant said it had not yet been presented to USAA, but if it was while the account was frozen, it would be returned, leaving me vulnerable to the fines and fees associated with returned check. 

I also have a pending property tax payment which had been made through the USAA bill pay system on XXXX XXXX, but which had not cleared my account. I was told the check had not been returned to USAA yet, but if it was while the accounts were frozen, it would be returned accruing interest and penalties. 

Meanwhile, the only communication that I have had from USAA, besides the online chats, was that email on XXXX XXXX. 

So, here I am on foreign travel, with the prospect that I may not get the {$5000.00} fraud that was done through USAAs system with no input by myself may not be recovered, but my current {$20000.00} in my checking accounts are not accessible, and that my property tax payment will likely be returned. 

BY WHAT AUTHORITY CAN THEY CONTINUE TO KEEP MY ACCOUNTS FROZEN?
Consumer complaint received 2022-04-11
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital one is reporting a derogatory account to my credit. I have requested that this account be investigated because the information that is being reported is different across the big 3. I have requested for them to send a copy of the method of verification that was used to prove that everything being reported is true and accurate. It is against FCRA 623 ( a ) to report inaccurate information to my credit report