davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (TN)

On XX/XX/2020 XXXX XXXX with XXXX XXXX XXXX called my mother, XXXX XXXX at XXXX XXXX XXXX, asking for XXXX XXXX XXXX XXXX. They were told this wasn't our phone number and were hanged up on twice. 

On XX/XX/2020 XXXX XXXX called XXXX XXXX again. This time they were told that XXXX and XXXX XXXX were not there and that wasn't our phone number. XXXX XXXX said that he was collecting a debt for American Express and said the estimated amount of the debt was {$30000.00}. 

Beyond asking for information about persons location a debt collector is not permitted in the Fair Debt Collection Practice Act to provide any information regarding the debt to any person other than the person they believe owes the debt. 

I called XXXX XXXX XXXX to gather information about the caller. XXXX XXXX freely discussed the debt until I asked for the name of the person who called XXXX XXXX earlier and provided information to someone other than person who they believe owes the debt. XXXX XXXX, once confronted with this question, began asking if I was XXXX XXXX. I advised that I would complain to FTC / CFPB, about this incident and again if any other persons are contacted. 

The phone numbers used by XXXX XXXX for the calls were XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

XXXX XXXX  is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three XXXX  accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends XXXX XXXX account.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit acceptance is a horrible company, I have never been 2 payments delinquent, I had one payment that was late, and even talked to them on the phone about it, but they demolished my credit, they are an absolutely horrible company, with no sense of morality, and they only report your credit when they feel like it, or something goes wrong, until then you're XXXX, and good luck getting them to update it monthly as well. They charge atrocious and outrageous fees at every turn on top of your payments, and don't want you to succeed in paying it off. They target those struggling, or those in desperation, and think that they can't defend themselves.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three comenity accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends Victorias Secret account.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DC)

Despite the fact that XXXX XXXX XXXX notified all 3 credit bureaus to remove an account from my report on XX/XX/2019, and I continue to fax copies of the letter from this collection agency confirming this, Equifax continues to list this derragatory information on my credit report and have cause me to get denied for a loan. Equifax also continues to list a hard inquiry from XXXX after being informed by XXXX to remove this inquiry on XX/XX/2019.
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I have contacted this collection agency on several occasions since they received the debt. I contacted ther creditor before it went to collections. I don't owe this debt my car was stolen and I had several cards in the vehicle that were used.
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IA)

I have contacted this collection agency on several occasions since they received the debt. I contacted ther creditor before it went to collections. I don't owe this debt my car was stolen and I had several cards in the vehicle that were used.
Consumer complaint received 2020-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMO Bank, N.A. (OR)

XX/XX/2020 - My online credit report ( s ) have been reported as delinquent with the various credit bureaus. I spoke over the phone with a BMO harris rep who says I have $ 260+ in delinquent fees, of which I was not aware of. 

XX/XX/2020 - Called BMO harris and verified that I only had {$1.00} left as principal via the person I spoke to.
Consumer complaint received 2020-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX I attempted to deposit XXXX XXXX dollars into my Coinbase account. Then transaction went through and the money was removed from my bank account. After The money was added to my Coinbase account my account was then locked. I could not trade and I could not get the money out. Coinbase told me that my transaction failed and they used the money that was in my account to pay back the XXXX XXXX dollars they are claiming I never lost. So now the money is not in my bank account and They have absorbed it on their website. All my money is gone my account is still frozen and they wont do anything about it. Ive called them at least 10 times and sent email after email. All they keep saying is my account is locked. Well now there is no money In there and the money was never returned to my bank account. Ive done research online and it appears this has been an ongoing problem with this company. They are hundreds of people taking legal action to get their money back. I want my funds returned immediately. I have a XXXX  year old son I need to take care of and XXXX XXXX dollars is a lot of money to me. You can contact me via email at XXXX Thank you
Consumer complaint received 2020-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see several 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (FL)

XX/XX/2022 I filed a dispute because Id been a victim of scam. XXXX XXXX I submitted proof that Id not received any items. Ive called several times just to be told it can take up to 70 days
Consumer complaint received 2020-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 These inquiries are Unuathoirzied on my Transunion Report ... after speaking with number associates to get deleted and none of them helped, ,so I brought the issue here, ,we would like these Inquiries removed IMMEDIATELY.
Consumer complaint received 2017-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (FL)

This company, Second Round LP, which I hold no contract with nor have received any goods or services from, reported two collection accounts against my social security number in the amounts of {$2100.00} and {$1300.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification and validation of the alleged debts on X/X/2017, however the business failed to provide adequate proof/validation. This business does not have and has never had contracts with me for goods or services and they have not provided adequate proof of any obligations to pay the alleged debts. <P/>Account level detail and billing information is not valid proof of a contract. Where is the binding contract showing that I allegedly owe these debts? This company is in violation of the Fair Credit Reporting Act because they are reporting inaccurate and invalid information to the credit bureaus under my social security number. I demand that they remove all accounts from my credit report immediately, and cease all reporting in the future. Second Round LP is in violation of the Fair Debt Collection Practices Act because they are trying to deceive me by providing non verifiable and invalid information in order to collect money on debts that they are alleging to be mine without any contractual proof. This company did NOT provide me with a copy of any signed contracts for goods and services.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There are several old items on my report that I demand you remove at once in order to comply with the FCC.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (CT)

I am reporting this agency and the company called as : JEFFCAPSYS and XXXX XXXX XXXX for the abuse of placing on my credit report a deceiving information that I am owning some money to pay in the amount of {$1100.00} when this charges were fixed and settled by XXXX XXXX top managers 6 years ago. I used to have this account and once I have travel internationally, my phone line was charged roaming for international data used when I did not requested any of that kind of service. therefore, I had reported to XXXX XXXX XXXX  as fraudulent action that XXXX XXXX has taken to get money from people. XXXX contacted and submitted my complaint to XXXX and some manager which I dont remember his name handled this mistake since it was not my fault. I was told at the time that my account shows {$0.00} balance and will be removed any damages. However, this JEFFCAPSYS do not understand it and refused to take it out of my credit report. XXXX XXXX should have records of their mistakes and complaints from XXXX  on file against them.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (DC)

I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so
Consumer complaint received 2019-09-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters LLC representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$790.00}
Consumer complaint received 2020-02-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (SD)

I've requested to have someone call me to talk about a possible settlement option. 
I've been paying on this loan for years/decades faithfully and came into some money that could possible pay off the loan. I received an email from their customer service department that they won't be able to make any kind of offer. 

I've heard that Navient ( Sallie Mae ) will only talk to borrowers if they're account is in a default status. I believe this is very backwards. I want to pay the majority but not the entire thing since they've been capitalizing on interest with me for years/decades. 

If someone could please help me get an offer settlement on this loan, I'd greatly appreciate it. 

XXXX XXXX
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My bank, BOA, filed a dispute with my healthcare provider unbeknownst to me until I received a letter, all I wanted to do was STOP an auto payment for XXXX XXXX XXXX after they told me they do not provide healthcare to the new state I moved to. XXXX told me I to call my bank to do so. 
So BOA had put the amount of my premium, {$790.00} back into my account on XX/XX/2022, then when I called to say I didnt file a dispute they took it back out, on XX/XX/2022. 
Then on XX/XX/XXXX, BOA took out another {$790.00} for I dont know what? When I called they gave me the run around until I spoke with someone who agreed with me and said it should be back in my account with 48 hours, so a week later STILL nothing, and as of today XX/XX/XXXX, they transferred me around again and have kept me on hold for 45 minutes until they dropped the call, to say Im infuriated is an understatement! Plus XXXX STILL owes me my overpayment of {$790.00} for XXXX, which they said could take till XXXX to fix, WHY??????
Consumer complaint received 2023-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: John C. Heath, Attorney at Law, PLLC (AZ)

I have several pay day loans that were sold to collection agencies and the XXXX continue to call and lvm 's. I've advised that I filed bankruptcy and can not pay.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My signature was forged on a student loan document as a guarantor for which I had no knowledge of. When defaulted, I was not notified as lender did not have my address or any other info about me. When I discovered, I made payments, in spite of not owing, and eventually paid/satisfied the debt. Creditor has reported to credit bureaus that any disputes have been paid and resolved, yet credit bureaus have not deleted this erroneous listing from my reports, in spite of creditor 's request.
Consumer complaint received 2022-07-13
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. (TX)

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 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Initial Dispute sent approximately XX/XX/XXXX Via XXXX XXXX 2nd Dispute sent approximately XX/XX/XXXX Via XXXX XXXX I have included all accounts in question. And since this credit bureau chooses again and again not to perform a complete investigation. I am sent this as an official complete before seeking out legal aid in hopes of good faith that Equifax will delete these accounts off of my credit report due to these errors and violations. I am hoping CFPB can assist me. 

- XXXX - XXXX  Multiple Errors 1. No payment history reporting, how can I prove that I wasnt late? DELETE THESE ACCOUNTS DUE TO CLEAR FCRA VIOLATIONS 2. Dates wrong in every account DELETE THESE UNVERIFIED ACCOUNTS. 
There are 2 counts within this listing of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$2000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


- XXXX XXXX XXXX  ( 5x ) 1. Duplicate account shows 5 times DELETE ALL ACCOUNTS DUE TO ERROR 2. No payment history reporting, how can I prove that I wasnt late? DELETE THESE ACCOUNTS DUE TO CLEAR FCRA VIOLATIONS 3. Dates wrong in every account DELETE THESE UNVERIFIED ACCOUNTS. 
There are 3 counts within 5 listed accounts ( 15 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$15000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


INVESTIGATION HAS TAKEN LONGER THAN 30 DAYS FOR : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX ( 1 ) This 4 accounts above where NOT investigate in time. It is now 60 days past my original dispute date. ( 2 ) THESE ACCOUNTS NEED TO BE DELETE IMMEDIATELY DUE TO A CLEAR VIOLATION OF THE FCRA. ( 3 ) THESE ACCOUNTS ARE NOT VERIFIED. ( 4 ) THESE ACCOUNTS HAVE NOT BEEN REVIEWED IN A COMPLETED INVESTIGATION. ( 5 ) THESE ACCOUNTS HAVE NO METHOD OF VERIFICATION. There are 5 counts within 4 different accounts ( 20 counts ) of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$20000.00} in damages alone. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council. 


There are is GRAND TOTAL OF 37 counts within 9 accounts listings of FCRA VIOLATIONS. If I were to seek legal aid that would grant me {$37000.00} in damages minimum alone. THIS IS A VERY SERIOUS MATTER. Your attention is of the most importance please. I am not trying to just jump and sue, I want my accounts fix. DELETE ALL ISSUES. Or I will be force to seek out legal council and seek out 100 % of my remedies.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

This complaint is reference to # XXXX. 

XXXX XXXX stated that I haven't made payments for XX/XX/2022 to XX/XX/2022 which is not true. I have proof that payments was made and CBNA pull my credit report on XXXX XXXX. This company has not been reporting my payments correctly. Please remove this account from all credit bureaus due to inaccuracies.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have requested inaccurate and unverifiable inquiries be removed from my credit report via FCRA laws. I have requested written proof be sent to me and this was not done. I was the victim of identity theft and I requested that theses inquiries be removed ASAP and this never happened