davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-01
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: Experian Information Solutions Inc. (NC)

I recently sent a letter to Experian. I am attaching a copy of the letter I sent to Experian. In the letter, I asked them to investigate inaccurate accounts on my credit report. They were supposed to respond with the results within thirty days, but they have not.
Consumer complaint received 2019-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I Have send over Coinbase money to XXXX XXXX XXXX for a service. Service was not provided as arranged so I cancelled payment with XXXX XXXX as arranged. He cancelled it also. Now XXXX did not repay my funds. As I contacted Coinbase the closed my account. XXXX. XXXX appears as they Have return my funds Coinbase says there is no money on my account. Please research.
Consumer complaint received 2023-03-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Consumer Financial Protection Bureau, I am writing to express my frustration and concern with XXXX and Transunion, two major credit reporting agencies, for their negligence in handling my credit report. For many years, I have been dealing with an incorrect credit report, and despite my efforts to rectify the issue, it has persisted, causing significant financial harm. 

Upon reviewing my credit report insight, I noticed that the summary indicates that I have been 98 % paid as agreed on my accounts, but there is one negative account on my credit report. However, there is no indication of which account is negative, leaving me in the dark about why my credit score has decreased. I have contacted XXXX multiple times to request information about this negative account, but they have been unable to provide me with any information. 

As a result of this error, I have suffered financial pains for the past five years, losing thousands of dollars due to higher interest rates. This error has caused me significant stress and anxiety, and I am no longer willing to tolerate it. I believe that the negative account may be related to a dispute I submitted regarding an account with XXXX XXXX XXXX years ago, which had an erroneous late payment due to early termination and insurance loss. I am adding them to this dispute, as this might be an issue related to them but can not explain why XXXX is correct but Transunion and XXXX are reporting wrong. 

On XX/XX/2023, I reached out to XXXX again to request help in finding the discrepancy in my credit report, but the representative I spoke with was not empathetic or helpful. They simply told me that they would send me a report and that I should indicate if something was wrong with it. Additionally, I was told ( erroneously ) that this could be caused by MyFICO, which I ended up getting a membership to prove it has nothing to do with them as they are not a credit bureau. I added the report in a reduced format ( as the original document is over 20 Mbs ), as it indicates an issue with the XXXX account previously mentioned. 

Anyways, I received my credit score via mail on XX/XX/XXXX, and the same error was present in the report summary, despite my previous request for assistance. 

I have also submitted a complaint report to the Federal Trade Commission ( ID : XXXX ), but I am hoping that the Consumer Financial Protection Bureau can also intervene on my behalf to ensure that this issue is resolved quickly and effectively. I am seeking your assistance in correcting this error and restoring my credit score to its rightful place. I have a reference number for my previous interaction with XXXX, which is XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-21
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. (IL)

i recently disputed a bankruptcy with Equifax on XX/XX/2023 and they verified it as accurate through lexis nexis, i have documentation from XXXX XXXX XXXX stating that a bankruptcy is not on my report from them, i mailed i copy of this letter to equifax on XX/XX/2023 and they not respond, this item is falsely reported by them and need to be remove immediately.They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-12-15
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)

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly remove the following items in my credit report : 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 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TX)

Debt is over a disputed amount of only {$260.00} with XXXX XXXX when I severed a 20 year relationship with them for overcharging me, and for very poor customer service. They sent the debt to MRS Associates for collection, and MRS reached out to me via email on XX/XX/XXXX with a reduced offer amount of {$180.00} if paid by XX/XX/XXXX. I fully paid the reduced offer amount within the allotted time, as the payment CLEARED my bank on XXXX XXXX. 

After that, MRS was still harassing me and my family members to collect the settled debt. Hence I visited their website on XX/XX/XXXX at XXXX XXXX  and disputed the debt and provide them all of the information to support my claim. I gave them 15 days to reply to my dispute and they never acknowledged the dispute or contacted me, other than continued harassment. 

Attached are copies of supporting documentation, including a screenshot of my bank account showing the debt was paid.
Consumer complaint received 2019-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

On XX/XX/2019, my Federal student loan ( serviced by Navient ) was paid off in the amount of {$91000.00}. I received an email from Navient on XX/XX/2019 congratulating me about paying off my loan and the posting of this payment. Additionally, on XX/XX/2019, I received another email from Navient congratulating me for paying off my loan. Subsequently, my loans were reported as paid, closed/never late to the credit reporting agencies. 

However, on XX/XX/2019, I received an email from Navient including a monthly statement, requesting a {$240.00} payment. That same day, I called Navient to inquire about this email and was told that Navient made a mistake back in XXXX when calculating my interest payments, though they never contacted me. She told me not to worry about this email, as my loan is paid off, but she sent a request to an investigation department with Navient to address this. Additionally, on XX/XX/2019 I received another payment request email from Navient, with the same due date as the email the day before, but with a new amount of {$60.00}.
Consumer complaint received 2022-12-15
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has XXXXiolated my rights . 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

This pertains to a Discover credit card which I have had since XX/XX/XXXX. Today, XX/XX/XXXX at about XXXX XXXX   eastern time, I tried to my add discover credit card to a recurring bill on auto-pay to maintain activity on the card. I had previously used my cad regularly but this year I wanted to curtail credit card usage so I maintained a single card with a larger limit. When I tried to use my discover card today, it came back as an attempted fraud. I immediately called the toll free number on the card and was told that the credit card had been closed permanently. I spoke to a supervisor, explaining my mother 's illness and passing had absorbed my attention. Also the bank of mailboxes at my apartment had been vandalized and was being replaced around the timeline they sent me a letter. They said they had sent me a letter in the first week in XX/XX/XXXX. I didn't receive it and only just learned about it during our conversation. The supervisor explained that they could not reactivate my card as it was permanently closed. I saw congressional hearings regarding XXXX XXXX that was able to open accounts without customers knowing. I have watched Rep XXXX XXXX take big companies to task for not protecting their customers. I feel Discover is not protecting their customers if it takes only one missed letter to give them the legal cover to close my account that has real consequences for me. I participated in the application, the activation, the use, the payment of balances incurred. Why then can the company close my account without my participation. This affects my credit score in terms of the length of time averaged and my debt ratio. 
I started with a limit of {$500.00} and used it regularly to built up my credit limit. I feel that discover should not benefit from doing the bare minimum, not even sending me a second letter, an email, text or call. Also, their first contact was in XXXX and they did very little to maintain my business. I understand that a {$2000.00} may be nothing to their algorithm driven business model but this is certainly is a fissure in their business model that translates to a disregard for the average customer who is trying to build a credit history that will reduce the cost of borrowing money for them.
Consumer complaint received 2021-06-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (ID)

This company contacted my daughter, ex-husband, current employer, current husband with threats. The loan was taken out XX/XX/2018. They have now delivered papers to my employer that I have not seen because we are out for summer. When I called and asked about the loan and information, The representative told me good luck in court, and hung up on me. I have not seen any court paperwork.
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL) (FL)

It started in XX/XX/XXXX but I have 9 hard inquirys on my credit report that does not belong to me as well as a loan threw XXXX that I wasn't aware of..my credit score has dropped 104 points in a month. Resulting in a balance of XXXX XX/XX/2019 for a balance of {$710.00} through XXXX as well as Are resources in I'm not aware ofI 'm not aware of XX/XX/2019 for a balance of XXXX threw XXXX  that I am not aware of
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (MD)

I have a Paypal credit line ( formerly known as XXXX XXXX ) which is automatically linked to my Paypal online account. I began receiving calls from Paypal collection agency over the past week regarding a secondary account which I never opened. I have XXXX revolving account with them and it is the only account showing on my online Paypal member account. I asked for an explanation of how this account was opened. The representative advised me that the second account was opened under my name, however not my SSN. I advised I will not pay on a fraudulent account and asked for further information. Representative could not provide any further information and stated that they can merge the XXXX accounts leaving me with an additional {$370.00} balance ONLY after I make a payment on the fraudulent account. Advised them that I will not pay anything as there is no record of this second account and I did not open it. The SSN used for the account is not mine and the company allowed someone else to open an additional account under my name. I would like this account to be closed and my name completely removed from it.
Consumer complaint received 2022-07-22
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$27000.00}
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I applied to obtain a XXXX rewards XXXX card issued by Bank of America because of the reward programs that was listed on the ad I read in my monthly XXXX car club magazine. 
Here is the problem, the ad stated that if I used my XXXX rewards XXXX at XXXX approved car care centers I would be awarded triple points. However, I am not earning triple points. I have filed XXXX reports with Bank of America and have not been supplied with an answer that addresses the contradictions between what is being advertised as to what is actually being practiced.
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (MA)

XXXX - XXXX XXXX XXXX XXXX contacted me with a request for full payment for an amount due on my PayPal account. I closed the paypal account and have made regular payments to PayPal. The account is not behind and is in paid each and every month.
Consumer complaint received 2019-07-08
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

We are USAA customer and have all of our financial life with USAA. We received a promotional offer on our credit card for 0 % APR on our card for balance transfer. We called USAA to ask about the term and conditions and were told that we had to get a convenience check for us to do such a large balance transfer ( {$10000.00} ) we ordered the checks on XX/XX/XXXX and did not received them until XX/XX/XXXX. We called to initiate the balance transfer at which point XXXX from the Executive Resolution team told us " oh well tough luck. The promotion is expired and I know you got the checks late, but it is your fault! '' how is it my fault that USAA took on months to send the checks? We were promised by USAA on XX/XX/XXXX that so long that the request for checks was initiated before XX/XX/XXXX that we will be able to take advantage of the promotion which we did as we were told. XXXX decided to go against the offer, rules and regulations and said that she answers to no one that she is the decision maker, and her word is final. 

Please help, Thank you, v/r, 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 — Account status incorrect
Company: Nelnet, Inc. (CA)

In XX/XX/XXXXI attended XXXX XXXX XXXX in XXXX California. I took a leave for 6 months after I XXXX  XXXX  to my child, which left me XXXX! In XX/XX/XXXXI was on perminate XXXX! I have been fighting nelnet, us department of education and XXXX XXXX since XX/XX/XXXXfor my loan to be discharged. I kept telling them I was perminatly XXXX, they would send forms for my dr to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay XXXX XXXX  to repair my credit. In XX/XX/XXXX- XX/XX/XXXXI got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped 25 points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and discharged! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Today I checked my credit report via XXXX. The first report was from TransUnion. 

There was a link to view your score which I clicked. I then created an account with TU and input payment information. This signed me up for a {$19.00} per month credit monitoring service with TU. 

The problem is that the cost or term of the service was never displayed on the screen. That is a deceptive practice that should not be allowed. 

I was able to cancel the service and get a refund for the {$19.00}, so that's okay. The fact that TU was willing to cancel and refund implies they recognize the deceptiveness of their process. 

Granted, I willingly input my payment information, but I assumed I would see at least a dollar amount of anything I was purchasing before the sale was completed.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My current debit card that ended in XXXX was set up to be cancelled, on XX/XX/XXXX, I received a email from Bank of America on XX/XX/XXXX, that a visa undisclosed merchant reported that my card had been compromised, I was told on the phone on XX/XX/XXXX that it was a precautionary measure, yet over the period of that time until the XXXX yesterday, purchases and charges were being proceeded to ny balance, I spoke with them again on Saturday after a {$49.00} from XXXX on XX/XX/XXXX, and XXXX most recently hit my account, after I had put a stop payment on the XXXX of XXXX, I was told that after they put stop payment, and await for all of these to post, then I must call them back to get it disputed during business week ... so I now have a few hundred dollars so far in charges to my account, along with changing my new card to merchants I do authorize yesterday, I was charged by these merchants fees due to late change of debit card info, I am out XXXX dollars in add charges, and when I call bank of america its a minimum wait of at least 58 minutes, and each time I was on phone for over 2 hours waiting to complain about this ongoing problem, which they were aware of to begin with, I'm disgusted ... THEY WERE FULLY AWARE AS OFXX/XX/XXXXXX/XX/XXXXTHAT THERE WAS A PROBLEM, YET MAILED NEW VARD REGULAR MAIL, WHICH I JUST RECEIVED ON XX/XX/XXXX VIA POSTAL MAIL FIRST CLASS