davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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. (AZ)

Debt collection account : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Merchant Balance Amount : unknown Collection Balance : {$8800.00} Original Merchant Name : XXXXXXXX XXXX Being reported to XXXX and Equifax XXXX has been disputed due to inaccuracy in XXXX, XXXX, and XXXX of 2022, via certified mail with return signature receipt ; and the most recent letter sent out around XX/XX/2022. Each letter included specific instructions and request for the account to be accurately verified and validated as pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) by providing copies of original contracts and payment agreements with my signature, and a description of their investigation process to include the name and contact information of the person who was spoken to verify the information and the date of which that person was spoken to. My requests also included instructions for the disputed item to be removed from my credit report if such proof of validation could not be provided. Each of my requests were responded to with computer generated response that stated only that the negatively reporting accounted had be 'verified as accurate ', but no proof or validation of the debt has ever been provided per my instructions. 
Validation requests were also sent to the reporting collection agency, XXXX XXXX XXXX and have been ignored with no response.
Consumer complaint received 2022-08-31
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: Ability Recovery Services, LLC (AZ)

Debt collection account : Account Name : Ability Recovery Services Account Number : XXXX Original Merchant Balance Amount : unknown Collection Balance : {$8800.00} Original Merchant Name : XXXX XXXX  Being reported to XXXX and XXXX XXXX has been disputed due to inaccuracy in XXXX, XXXX, and XXXX of 2022, via certified mail with return signature receipt ; and the most recent letter sent out around XX/XX/2022. Each letter included specific instructions and request for the account to be accurately verified and validated as pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) by providing copies of original contracts and payment agreements with my signature, and a description of their investigation process to include the name and contact information of the person who was spoken to verify the information and the date of which that person was spoken to. My requests also included instructions for the disputed item to be removed from my credit report if such proof of validation could not be provided. Each of my requests were responded to with computer generated response that stated only that the negatively reporting accounted had be 'verified as accurate ', but no proof or validation of the debt has ever been provided per my instructions. 
Validation requests were also sent to the reporting collection agency, Ability Recovery Services and have been ignored with no response.
Consumer complaint received 2022-04-14
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. (MN)

I signed up to credit report website and within that year my account started to have things I dont recognize and has numbers calling me. I had got a lot of mail of fake loans and credit cards I didnt apply for. I try changing my passwords and everything. My credit score went from good to bad within a year of using their app.I try to remove things off too
Consumer complaint received 2022-08-31
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. (GA)

I've identied inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past .I strongly believe that they are in violation of the FCRA pursuant to section 605 B and are outright refusing to uphold the law.
Consumer complaint received 2017-09-02
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. (TN)

I contacted trans Union credit bureaus on XX/XX/XXXX about inquiries that was on my report that should not have been there. I told them I was a victim of the inquiry issues section 6-11 they said they could n't help me. These are the inquiry that was removed and put back. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-02
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)

On XX/XX/XXXX I submitted a request to XXXX XXXX and Experian. XXXX is the ONLY one who complied. XXXX and Experian have yet to respond or comply with my section 609 request as of today XX/XX/XXXX. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NV)

on XX/XX/2022 I noticed unrecognized credit hard inquiry. I tried to freeze with all 3 major bureaus. XXXX and XXXX worked fine. Experian could not verify my identity, fine I use their document upload page. It redirects to page not found when I try to submit under other reason. https : //www.experian.com/consumer/upload/ The website is noticeably worse than the others and appears nonfunctional. I will resort to mailing it in but wanted to complain in case they need to have a functioning document upload page for regulatory reasons
Consumer complaint received 2024-01-22
Product: Credit 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: GOLDMAN SACHS BANK USA (GA)

On XXXXXXXX XXXX  a charge in the amount of {$980.00} was made to my Apple Mastercard account held by Goldman Sachs. This charge was made to my account by the Apple.com.us merchant. I never made or authorized this transaction. The transaction has been in dispute resolution with this merchant since then. On my last contact with the credit card company, on XX/XX/XXXX XXXX XXXX  I had a representative of Apple.com/us on the phone with a manager of the credit card company where confirmation that there was no such transaction authorized by me was made. I was promised a resolution within 10 working days of this last contact but no such resolution has been made. This situation appears to exceed any regulatory threshold for complaint resolution. Your assistance in resolving this matter would be appreciated.
Consumer complaint received 2023-06-24
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. (FL)

I have two closed accounts with XXXX  XXXX XXXX XXXX XXXX account number XXXX. A line of credit and credit card. I am still making payments on the accounts. I have never been late, not once. XX/XX/2023 I received a late payment for both accounts. The rep stated I was {$1.00} short on one account and {$5.00} on the other. My accounts are closed and I have to call in to make the payments, so if I was short it was due to paying whatever minimum the rep stated. When trying to settle this with XXXX I was told to dispute with the credit reporting agencies. I disputed with them and heard nothing back. The late payments hurt my report alot. As stated before I have never been 30 days late and with XXXX. I would like the late payments AND the remarks to be removed. Every payment should show paid on time, because it was.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Have had a Kohl 's credit card for years, the card has always been on auto pay. I was ill last month so didn't check my statement. Today I received a letter from Kohl 's saying that they had temporarily suspended my account due to non payment. I tried to log onto the account and was unable to, so I called the number on the letter, made the payment of {XXXX}, asked why it was no longer on auto pay and was told that since I had a XXXX  balance a few months ago it kicked me off of auto pay. I asked how I was supposed to know that and didn't receive an answer. Asked to have the late fees removed and they agreed. Asked how I could access my account and was transferred to customer service where I was told that someone had manually taken me off of auto pay, wasn't me I would have no reason to do that. Asked why I couldn't access my account as all the info I entered was correct and was told that they had sent a new card to me in XXXX and I would have to use those numbers. Explained that I did not receive a new card and if they had sent out a new card how was it I was able to use the old one? Was told that I could always use the old one which made no sense. Asked for a supervisor was basically told that they always let you use the old card in case you want to give it to a relative to use. So theoretically you could have several old cards laying around and give them to others to use. ( who does that? ) Told me that they sent me an email each month to access my statement, asked her how I was supposed to access my statement when I couldn't get into the account and I wanted to be able to access my statement today. Told me I couldn't. Also told me that I had been reported to the credit bureau as being late two months. When I told her that I wouldn't have been late if they hadn't kicked me off of auto pay she told me that they had a new program which had fouled things up. I informed her that they needed a new programmer and because of their incompetence their programming problem had now become my problem and I didn't appreciate it. Again no answer.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (MA)

I filed a dispute regarding a charge. The bank did not resolve within 90 days. 

Dispute was resolved on XXXX day after I contacted them twice daily. 

It was not resolved Im my favorite. 

I thought 90 days was max if not a penalty would be applied. 

Current bank disagrees.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was referred to a " handy man '' who promised to construct a small office in my home. Long story short, after I paid him {$1100.00} UP FRONT everything changed. 

All of a sudden the job couldn't be done. He then made a series of false promises, ultimately to disappear. 

1. The person was unlicensed.

2. This person never conducted the work.

3. I am now in the process of hiring someone to do the work.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payment you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, since I opened the account on XX/XX/XXXX I had auto pay for all payments to be processed in a timely manner. Experian is showing my credit report as late payment. However, XXXX XXXX is reporting that I have paid all payments on time. Since XXXX, XXXX and Experian credit bureaus is stating on one of the screenshots I provided below as a past due payment I would like to see proof of accurate results on behalf on both sides of credit bureaus that show same results. unfortunately, it is impacting my credit score. XXXX account # XXXX date opened XX/XX/XXXX and is marked as late payment for XXXX of XXXX. 

According to 15 U.S. Code 1666b - Timing of payments a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I would appreciate if you send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of both statements of XXXX XXXX XXXX, XXXX Experian. As well as any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30-day timeframe. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

Coinbase ( Coinbase.com ) not helping me since XX/XX/XXXX. 

I lost access to the email address ( email was terminated ) on record with Coinbase. Since Coinbase 's service sends sign-in verifications to the email address on-record, I can not sign into my coinbase account. Coinbase will not assist me in re-gaining access to my account through other means. 

I followed all the steps to reset my account in : https : //support.coinbase.com/XXXX XXXX and then contacted them about it on XX/XX/XXXX.
I still can not access and withdraw my money from the locked account. Since I first contacted them for help in XX/XX/XXXX, Coinbase support only sent automatic answers which did not solve the problem.
Consumer complaint received 2017-09-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (CA)

XXXX and XXXX used a bait and switch sales tactic on me. 
XXXX sent an email stating TV, Phone and internet for {$89.00} plus tax and they will bundle with XXXX but all the payments go through XXXX. 
When the Technician installed the system he failed to install the phone service and since I did n't care one way or the other if I had the phone or not, I did n't bring it to their attention. 
XXXX said in a recent conversation on XXXX/XXXX/17 that because I did n't complain about not having the phone service that I was n't going to receive the triple play price and they would n't honor the email or take responsibility for their technician not install the phone line. 
So rather than admit their mistake and have the technician come out and install a phone line and give me the triple play price as per their email, they decided to charge me {$200.00} a month. I told them if they do n't honor the email offer that I signed up for then I would have to cancel the service on the grounds that they broke the contract. 

I am submitting all documents supporting my statement.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair 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 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 XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2022-02-24
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2019 Capital One ask me to call them for a potential fraud on 2 of my credit accounts. I called and they wanted me to upload documents such as ( signed social security card & front and back of ID or drivers license ) to verify my authorized users that I had on my account previously and currently. I sent them 90 % of all the authorized users info but however I could not obtain the other Authorized users information because they would not send it to me. My issue is that this does not say this is required and that I have to provided this on the " Terms and Conditions '', this is a privacy issue and they were just under a cyber attack which was on the news in XX/XX/2019. They have restricted both of my cards but have not provided me with a reason and said it was not a fraudulent transaction. I was advised that it would be restricted until I send the documents for every single person that was on the accounts. I provided proof of their Authorized user terms on page 4 of the document I uploaded.
Consumer complaint received 2023-06-24
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. (NY)

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. 

XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX 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.