davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 302 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 2019-06-28
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)

THE NEGATIVE ACCOUNTS DISPUTED DOES NOT BELNG TO ME, I DID NOT AUTHORIZE THOSE ACCOUNTS ON MY CREDIT REPORT. PLEASE REINVESTIGATE YOUR REPORTING INACCURACIES AND HAVE THOSE ACCOUNTS REMOVE.
Consumer complaint received 2019-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc. (CO)

I feel like the company extorted/extorting me to make payments without any proof of this debt. Not only that, but the company has been reporting negatively on my credit report. Despite the fact that I made payments on this account they have not indicated that I have ever made any payments on this loan they claim I owe. I tried multiple times to solve this issue and was ignored or giving false information. When I called the office to resolve the issue like ( XXXX XXXX ) told me to do, she then told me I didnt qualify what she offered in the email. 
They refuse to remove the remarks off my credit report. 
Also, I wasnt attending XXXX XXXX University so I dont feel I owe this. 
I was in XXXX XXXX, MO attending XXXX XXXX training for nine and a half weeks to become a XXXX XXXX for XXXX XXXX. 
There is no way I could be attending school in Colorado while in Mo. 
Company had NEVER sent me in documents in regards to this. They claim they sent me a letter they never sent. Also in the attachment they claim to have mailed to my address in my previous complaint ( which is absolutely false ) says Dear Mr.XXXX ... I am not a mr . 

I have attached pictures of the emails with us, proof of employment at XXXX XXXX, and my certification to show I wasnt attending school.
Consumer complaint received 2022-05-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carvana Group, LLC (TN)

XX/XX/2020, I purchased a car from CARVANA using an extension of credit from my XXXX XXXX XXXX XXXX  Signed a bilateral contract between Carvana and the beneficiary of the trust. Undisclosed to me was the fact that my private information would be sold and given to third parties without my consent or knowledge, this is identity theft and fraud. I have sent numerous debt validation letters but none have been properly validated. Furthermore, upon receiving information on the original creditor, CARVANA, and requesting a debt validation, CARVANA responded saying they were unable to validate. I have sent XXXX, the third party collector, numerous debt validation letters in which XXXX sends unvalidated, altered documents in which XXXX is not listed as a party but lists Carvana as the original creditor. However, when I request validation from Carvana they are unable to provide it stating that XXXX has the original document, however, XXXX has failed to produce any contract that shows them as a party with any security interest. Therefore, if Carvana is unable to validate the alleged debt, XXXX is not listed on the original contract and is unable to validate the alleged debt, how then can the debt be validated and reported negatively to my credit reports? And if so, what were the steps taken to validate?
Consumer complaint received 2022-05-13
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: Coinbase, Inc. (MD)

On XX/XX/2022 at XXXX hours, my Coinbase XXXX XXXX XXXX card was charged {$54.00} USD. The transaction went through. There were XXXX  declined transactions after that, for XXXX ( XXXX hours ) and XXXX ( XXXX hours ). All eastern standard time. 

I opened a dispute with Coinbase the same day. I spoke with support on the phone the and they advised I would get my money back. I locked my card and requested they send me a new card. 

On XX/XX/2022 at XXXX hours, I received the following email from Coinbase : " '' '' '' [ Reply ] Case # XXXX - [ Coinbase ] Re : Service Dispute Fraud - XXXX ( {$54.00} USD ) Hello XXXX, We've completed our investigation of your dispute for the transaction of {$54.00} made on XX/XX/2022, XXXX XXXX XXXX XXXX 

Unfortunately, the chargeback was rejected by the network for the following reason : - Can not initiate chargeback on a verified VISA transaction. 

As a result, we will be closing your claim. 

Regards, Coinbase Support ref : XXXX : ref " '' '' '' My card was never stolen. It was in my possession at all times. I had this happen with XXXX XXXX XXXX several years ago and they refunded my money without question. It looks like coinbase/XXXX  won't do the same. I hope you can help. 



Also, I contacted the merchant. They're willing to investigate. See the attached screenshot.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

These was not my inquiries. XXXX/XXXX XXXX address id XXXX date XX/XX/XXXX .XXXX/XXXX/XXXX  address id XXXX date XX/XX/XXXX XXXX   XXXX address id XXXX date XX/XX/XXXX XXXX XXXX XXXX address id XXXX date XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX address XXXX date XX/XX/XXXX and XX/XX/XXXX 2 XXXX XXXX address XXXX XX/XX/XXXX and XX/XX/XXXX also my name is XXXX XXXX XXXX i never put my full middle name on any applications they got one saying my name is XXXX XXXX name id # XXXX
Consumer complaint received 2022-05-13
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: Santander Consumer USA Holdings Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XX/XX/XXXX social security number last four XXXX XXXX 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. 
Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan. 
Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2019 I was at the Old Navy store located in XXXX CA. I told the employee that I want to use my GAP credit card and I do not have my card, so she can look me up and use my rewards too- that is what I do when I do not have my card on me. 
She asked me if my card has a chip, and I replied that I do not recall. She told me that I can request a card with a chip and I will get promotional discounts. It seemed fair and I was happy. She had me enter my SS, which I always do if I do not have my card, and after a few minutes, she handed me my receipt and told me that I got all the discounts and I will get my card in the mail soon. 
I have received an OLD NAVY credit card!!!!! I never wanted to open a card with the store. I already have my GAP card, why would I open another store credit card? 
My credit score has been affected by opening that card while I was trying to work on my credit to get a new job. 
I called the company ( OLD NAVY ) and explained the situation and the representative was very nonchalant and did not show any sympathy towards my case. I was very upset and asked him to close my account and that what he did without an apology, although he totally advised me to pay my balance! 
I felt manipulated and misled. I am complaining because I am very concern about my credit and very responsible the way I use it. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (MA)

I have a no prepayment penalty mortgage. I closed XX/XX/XXXX. I have been paying extra monies every month to pay down the principal faster. In XXXX of XXXX I receive a notice that any extra monies I send in would be held until I paid enough monies to make a full payment. I telephoned immediately and explained that I did NOT want my money held to make a full payment ; I wanted my extra monies paid to be applied directly to the principal has they have been done since XXXX. In XXXX my extra monies were applied to the principal. 
When I went to pay my XXXX payment I noticed that the mortgage co did NOT apply my extra monies to the principal. I again telephoned customer service and was told that they would fix the issue and apply my extra monies paid in XX/XX/XXXX to the principal and they would apply the extra monies paid in XX/XX/XXXX to the principal. I called a third time 4 days later to be told that there was a delay in posting the extra monies but they would be applied properly. I just checked my mortgage account and the extra monies paid were NOT applied to my principal but used to make my XX/XX/XXXX payment!!! I have been charged interest on monies I have paid in advance!!! My mortgage co has illegally held my monies, charged me interest because my monies were NOT properly applied and lied to me!
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2022-05-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (TN)

XX/XX/2020, I purchased a car from XXXX using an extension of credit from my XXXX XXXX XXXX XXXX Signed a bilateral contract between XXXX and the beneficiary of the trust. Undisclosed to me was the fact that my private information would be sold and given to third parties without my consent or knowledge, this is identity theft and fraud. I have sent numerous debt validation letters but none have been properly validated. Furthermore, upon receiving information on the original creditor, XXXX, and requesting a debt validation, XXXX responded saying they were unable to validate. I have sent BRIDGECREST, the third party collector, numerous debt validation letters in which BRIDGECREST sends unvalidated, altered documents in which BRIDECREST is not listed as a party but lists XXXX as the original creditor. However, when I request validation from XXXX they are unable to provide it stating that Bridgecrest has the original document, however, BRIDGCREST has failed to produce any contract that shows them as a party with any security interest. Therefore, if XXXX is unable to validate the alleged debt, BRIDGECREST is not listed on the original contract and is unable to validate the alleged debt, how then can the debt be validated and reported negatively to my credit reports? And if so, what were the steps taken to validate?
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated mv 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 1681 section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (PA)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # 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 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX 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 XXXX XXXX # 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 2022-05-13
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2018-02-23
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: Experian Information Solutions Inc. (TX)

I pulled my report and found I had unauthorized inquiries on my account. I contact the source and they did nothing they said they had no information on my account. they have did nothing. I contact the Credit bureau as well they have not responded..
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

COMPANY OWED  :  XXXX .  AMOUNT OWED  :  XXXX  as of  XXXX   XXXX ,  2017 . TURNED OVER TO COLLECTION COMPANY : IC System- XXXX   XXXX  MONTHLY PAYMENT  XXXX .   XXXX   XXXX   XXXX   . Is   charging an extra  XXXX  LATE CHARGE DUE EACH MONTH FOR I GUESS  XXXX ! Why am I paying  XXXX  extra each month AND ONLY  XXXX  dollars taken off amount due? They are tripling balance due with  XXXX  extra fee tacked on! IM NEVER LATE WITH COLLECTION PAYMENT AS IT IS AN AUTOMATIC MONTHLY SEDUCTION FROM MY CHECKJBG ACCT!   XXXX   NO.  XXXX   XXXX . Please help as I am senior retired female on  SSI!
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (AL)

XXXX is refusing to accept investigate and correct errors in information on my report resulting from identity theft within 4 days as required legally. They have been sent an identity theft affidavit sent via certified mail and ignored it. 

Experian allowed someone to create an account using my information and will not correct it. Allowing this person to continue to steal my identity and apply for accounts in my name. They can clearly see XXXX @ gmail belongs to someone else. They stated they updated it to my email so this person could no longer login but they still havent and my identity is still being stolen as a result! 

XXXX is refusing to accept investigate and correct errors in information on my report resulting from identity theft within 4 days as required legally. They have been sent an identity theft affidavit sent via certified mail and ignored it.
Consumer complaint received 2022-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (CT)

I applied for a secured credit card with TD bank about 2 years ago after having our bankruptcy XXXX the previous year. My husband and I were told that it would take about XXXX months and they would upgrade us to a regular card. We had to put some money into a savings account that would not be accessible. We each put {$1000.00}. It's been about 2 years and we asked the bank to let us know why we are not getting upgraded and to give us a date. They have not provided us with that info. We have paid our balances always on time and pretty much in full. My credit score is in XXXX range.
Consumer complaint received 2022-05-13
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. (GA)

I have sent in multiple FTC reports dating back to XX/XX/2022, police reports, and letters from actual creditors and bankruptcy courts showing that two XXXX XXXX accounts, XXXX XXXXXXXX bankruptcy, and XXXX XXXX  bankruptcy, and multiple inquiries were a result of fraud. Experian and XXXX refuse to follow FCRA and delete these fraudulent accounts, as well as bankruptcies from my credit reports. Instead, I received a " verified '' letter after sending documentation from the courthouse and capital one stating they have no records of those accounts using my name and social. I have requested Experian and XXXX that they send a method of verification within 30 days both failed to respond to the letters. This is beyond frustrating as I am in fact an Identity theft victim. These companies refuse to follow the laws in place to correct this matter. This is my final result before filing a small claim lawsuit for defamation.
Consumer complaint received 2020-02-09
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)

I went to try to get a car and they said my credit wasn't strong enough which is strange because I haven't used my credit in over 10 years. After taking a look at my credit report and noticing many collection accounts which were never incurred by me nor have I ever done business with these companies by the names of XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX. They seem to be medical bills and XXXX XXXX neither which I have had any dealings with. I believe someone has been using my information to obtain credit or medical care without my consent. Please assist me in this matter in getting these items off of my credit. Thanks in advance.
Consumer complaint received 2022-05-13
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. (OK)

In XXXX of this year I logged into XXXX XXXX to make my car payment. the system was down to do so. They marked my credit for 30 days late ro crb. Refused to fix,
Consumer complaint received 2020-12-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.