davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (TN)

I applied for a loan of XXXX. I got the loan, but the email they sent me shows they want me to pay twice a month, {$400.00} a month instead of paying once a month and the interest is through the roof. I told them I was scammed. I want to pay them off, but for what I owe them not all of that interest which will total several times more than what I borrowed. I am sick and have been off work. I can not afford interest fees in that amount. Please help ...
Consumer complaint received 2019-09-19
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2019-09-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX I was abruptly logged out of my Coinbase account that held XXXX XXXX coins. My password would no longer function, and I was unable to reset it due to access issues with the associated email account. I contacted Coinbase on XX/XX/XXXX as I suspected fraud. Coinbase asked I create a new account and complete ID verification which I completed as well on the XXXX. I was instructed Coinbase would review the ID verified on my previous account with email address XXXX and transfer the funds to XXXX. My Case # is XXXX. Since then I have heard no update from Coinbase and the provided support contact number does not connect to a live rep. I can no longer access my funds due to a simple account issue. 

XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

LVNV has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with LVNV. I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. I want this tradeline removed from all 3 of  my credit reports along with a letter stating LVNV promises not to sell this account to anyone or try to collect on this invalidated account again. LVNV buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. Not only that, this debt has been re-aged and has been time-barred and has continuously been reported. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that LVNV needs to be thoroughly investigated for their illegal practices. If LVNV decides to sell this account or transfer it to another one of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit. I have never received anything from LVNV via mail or from their other companies who call ( Resurgent Capital Services ) etc. This is yet another violation of the FDCPA. Please remove this account from my credit reports and agree not to sell it.
Consumer complaint received 2019-04-30
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. (NY)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.
Consumer complaint received 2023-01-27
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-27
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. (AL)

I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company reports a 30 day late without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]
Consumer complaint received 2023-04-04
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. (NY)

I mailed 3 different letters to each Credit Bureau XXXX, XXXX and Transunion within the legal timeframe to give them time to investigate. I did not get any letters or responses from neither of them. First letters was mailed on XX/XX/XXXX to all 3 Bureau. Second Round of letters on XX/XX/XXXX and the last round of letters was sent on XX/XX/XXXX. I still have not heard anything from them.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

On Saturday, XX/XX/2019 I had noticed an unauthorized charge in my checking account for {$900.00}. I immediately froze my debit card and went to the credit union to dispute it as fraud and be issued a new debit card. I was told I had to wait to file a " Fraud Claim '' til the amount posts to my account, " not pending ''. It cleared this morning XX/XX/2019, so I called and filed the claim. About 4 hours later I get an email saying " No error had occur ''. So now I'm going to have the funds they just placed back, taken out again for something I did not authorize to begin with. My debit card was not in my possession at the time this fraud occurred, so why am I being told otherwise? 

Thank you
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been trying to work with Capital One/XXXX now for a long time. They are pulling every devious, hopefully criminal act they can. CFPB wonderfully got them to return {$8000.00}. However, what they did was apply it to a escrow account. There should not be an escrow account!! The attached paper show they finally closed the escrow account after me asking them to for years. So what do they do, they add this money to it, then close it. What incredible sneaks and names I will not print,. I pay my taxes every year. These XXXX think I have to pay by XXXX, but I am allowed to pay later. I just have to pay a little more money, which I do. To add to my troubles, they have subpoenaed by tenants for a hearing they scheduled in XXXX. This is after they broke into my house, claiming they thought it was vacant. They damaged the house, and now they are demanding my tenants appear in court! Outrageous. My tenants know nothing of this XXXX these XXXX are putting me through. Capital One and XXXX just want to embarrass me and most likely cost me the sale of my house. They continue to refuse my payments, and skyrocketing my debt, ruining my credit. CAN'T THEY BE STOPPED!!!!!! Please at least get them to apply the {$8000.00} to my payments and get them to let my tenants stay out of this mess, and lower my debt to where it should with them. THANK YOU!!!
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX, and I kindly request that you address it promptly.
Consumer complaint received 2022-10-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (KS)

Another financial institution has refinanced my car. They continue to pressure me to pay for the vehicle, although the new Lien Holder and I completed the refinance before the monthly payment. XXXX  calls me 2 to 3 times a day to collect payment when I do not owe them anything. Any issues relating to the car should be solved with the institution in charge of the payoff made which is my new Lien Holder. 

They even call me on the weekends! This needs to stop, and better communication needs to be a thing.
Consumer complaint received 2019-04-30
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. (VA)

AFTER REVIEWING A COPY OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY REPORT. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARK AND HAVE THEM REMOVE OFF MY CREDIT.
Consumer complaint received 2019-04-30
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. (CO)

XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-19
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: ID Analytics, Inc. (FL)

My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

I am not familiar with this items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. 

* XXXX - the balance on report says $ XXXX** There also incomplete and inaccurate information pertaining to the open date with 2 listed from XX/XX/2014 to XX/XX/2014.
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (TX)

XXXX XXXX XXXX charged something against my credit report. When I found it, I call them right away. After they researched it they discovered there mistake. They call me and told me that they would take it off my credit report and also notified the collector. They did remove it from my credit report. The collector continues to call me. They tell me I am lying and that I owe this money. This is very upsetting and causes my XXXX XXXX to raise. 
They will not listen to reason. I think this is harassment. The name of the company is Caine @ Weiner XXXX. Can you help me to get this resolved?
Consumer complaint received 2019-04-01
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

OnXX/XX/19 And on XX/XX/2019, I sent certified letter to LexisNexis to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. I requested in the letters that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. On XX/XX/XXXX, they responded back stating the bankruptcy is accurately reporting on my LexisNexis RiskView report. This information is false. I received a letter from the United States Bankruptcy Court stating : " They do NOT report or transmit bankruptcy court records or any other information to the credit reporting agencies. '' Then onXX/XX/19, I received a letter saying I requested for them to initiate a dispute on my behalf with XXXX, XXXX   XXXX, and XXXX, but they have not received a response to date. I DID NOT GIVE THEM PERMISSION TO DO SUCH AND THIS WAS NOT A REQUEST IN MY DISPUTE LETTER!!! In the response, I received from LexisNexis, they have not only violated federal laws. Because reporting per FCRA should be 100 % accurate. They have failed to properly provide any viable evidence bearing my name, signature or showing the account is being reported accurately which is what I initially requested. I am attaching substantiated evidence to support my complaint. The entry is inaccurate and unverifiable so I am requesting it be deleted/removed from LexisNexis & also from the 3 major credit bureaus- XXXX , XXXX XXXX , and XXXX   being that LexisNexis is who reported the information to them.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/19 at XXXX XXXX, I called Midland Credit to discussed a Hardship with my XXXX XXXX card. The women that I spoke to asked me why was I delinquent on my account. I informed her that due to my husband having a XXXX, I had to take early retirement Social Security to take care of him and had very little income.she stated that she couldnt help me because my account was with a law firm and than went on to ask me personal questions about my husband and myself! She questioned my ability on why I couldnt continue making payments and belittling me. I expressed to her that she was asking me personal information and it was inappropriate. I asked to speak to her manager and she was the same way!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

I am not familiar with this item and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. 

* 1 ) XXXX - NO BALANCE LISTED- there is also 2 different open dates on different bureaus from XX/XX/XXXX - XX/XX/2017 this is therefore inaccurate information as well.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

XXXX XXXX XXXX XXXX was used to make a bill payment to my Citibank Double Cash Mastercard. Per the bank the payment was sent via live check : Payment Details Payee : Citibank Credit Cards, XXXX Notes Category : None Amount : {$50.00} Payment type : Check XXXX Payment option : MANUAL Paid from : Checking, XXXX Deliver by : XX/XX/XXXX Confirmation : XXXX I believe that Citibank has received the payment but lost or misplaced it so as to collect late charges.