davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
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. (NC)

XXXX is reporting a charged off account with errors again. As you will see with the attached file, XXXX is reporting three errors again. 1. XXXX is reporting to equifax that I have Available Credit remaining, 2. The creditor classification is missing again!, 3. The account designator is missing. 

The fair Credit reporting act says XXXX must be fair, complete, and accurate in reporting a bad debt to the credit bureaus. 

XXXX has been warned multiple times for this and it has been over 30 days with no resolve.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NC)

Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX Act. # XXXX which you claim is closed with a balance owed of {$570.00}. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

The merchant refuses to assist with a billing dispute issue. Their internal system has an inquiry number of XXXX and a chat ID was issued today of XXXX. A {$260.00} charge is on my account for an item that was returned. The item was returned to the merchant and American Express refuses to issue a credit. The merchant has said that they do not have any record of the return, but the merchant is clearly wrong as the item was returned to them. American Express refuses to issue a credit and has spent the last 3 months going back and forth with me and sending me generic responses to all correspondence.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (GA)

I received XX/XX/XXXX a call at my Job, and it was from a company called XXXX XXXX XXXX from a gentleman by the name of XXXX XXXX. He stated that the call was in reference to a World Finance Debt. I was surprised because he stated that I owed a debt to them. I respond that I had XXXX loans from World Finance but they both were satisfied. I immediately hung up and called the XXXX location where I got my loans back in XXXX, and XXXX. The XXXX location confirmed {$2000.00} was sent to collections. This guy XXXX XXXX from XXXX XXXX XXXX stated I received a loan in XXXX. I never got a loan in XXXX I applied for a loan but it was denied that's what the world finance representative told me. I don't know if the World Finance employee lied and said I was not approved but I was approved and took the monies, but I never received a loan. This is a fraud, and they're coming after me for monies I've never received and it's ruining my credit.
Consumer complaint received 2022-10-16
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. (MI)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXXand XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated rights . 15 U.S.C 1682 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. and according to 15 U.S.C 1681 A3 medical bill should not be reported to my credit report. Section 2 ; It also states a consumer reporting agency can not furnish an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.
Consumer complaint received 2022-10-16
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. (PA)

I would like to dispute these inquires with XXXX XXXX. Both times I went to see if I prequalify around XXXXXXXX XXXX and of XXXX of this year. I never actually went through the process of applying for the loan. These inquiries should be removed. I sent them XXXX letters in the past 30 days and I have not received a response. 

On another note, On another note XXXX XXXX XXXX show I owe nothing in student loans, but Experian shows I do. It mentions in the Fair Credit Reporting Act that the agency must investigate unless your dispute is frivolous. 

It doesnt mention I have a XXXX balance on my XXXX account. It shows up on Experian from my current knowledge of the situation. I didnt see it on XXXX XXXX That also makes we wonder how I received letters from different third party companies in the past 2 years that I owe money to them in regards to XXXX. This baffles my mind on how these credit bureaus are spewing inaccurate information.
Consumer complaint received 2021-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (RI)

Coinbase has denied me access to the digital assets in my account ( valued on XX/XX/XXXX at approx. {$270.00} USD ) Coinbase claims that it is verifying my identify - for over 50 days.

I have submitted all required information and have offered to submit any other documentation it requires. 
I have attempted to contact Coinbase repeatedly via its support page twice a week since XXXX and receive no reply. 
Coinbase has no ability to receive customer related phone calls. 
Personal information was not required to hold digital currencies when my account at Coinbase was opened around XX/XX/XXXX. ( Id verification was only needed by Coinbase to sell digital currency and send the funds to a recognized bank ). 
Around XXXX XXXX A change was made requiring personal information be submitted and no option was offered to allow me to withdraw my digital assets unless I complied ~or~ if a choice to withdraw my digital assets was offered when I then attempted to comply by verifying my identity the system chose to not allow me to withdraw my digital assets claiming ever since they still need time to verify my identity. 
I acknowledged in my communications via the Coinbase support page - at the beginning of not being verified that because I was a US citizen living in XXXX the verification of myself could potentially require extra attention. Like my other attempts to communicate with Coinbase, this message was ignored. 
I continue to offer to provide any additional and all required information that is needed to verify my identity.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

This is not a duplicate. XXXX XXXX XXXX will try and tag it as as a duplicate. 

The fair credit reporting act states that any information reported by a creditor, collection agency, furnisher, must have accurate, fair, and complete data and as you will see on the attachment there are days that arent even reported. This is in violation of law, and financial data has been warned of this violation before and it has been over 30 days with no correction.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount Recovery Systems, L.P. (TX)

I have 2 collections companies that have put 2 separate accounts on my credit for the XXXX XXXX XXXX. Each account has had a different total and dates each time in a total of ( 4 ) I got XXXX XXXX accounts disputed and now they have gone to Paramount Recovery and I have tried to dispute them through XXXX XXXX several times with no avail. 
XXXX Account was said to have been opened on XX/XX/XXXX at {$620.00} Disputed and dismissed on XX/XX/XXXX XXXX Account was said to have been opened on XX/XX/XXXX at {$1000.00} Disputed and dismissed on XX/XX/XXXX Paramount Recovery Says account was opened on XX/XX/XXXX at {$640.00} Paramount Recovery Says account was opened on XX/XX/XXXX at {$480.00} I don't even know what the XXXX XXXX XXXX is. I haven't been to the doctor since XXXX so I'm unsure of any information regarding this account or why it keeps showing up as different amounts at different dates
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide XXXX or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/2023 2023
Consumer complaint received 2023-06-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (MO)

Impersonated me according a letter XXXX XXXX stating I requested validation of debt and in turn they have reported disputes on behalf of the consumer to all ages. I have never attempted nor made any contact with this company. They have committed fraud by impersonating me and taking actions on my credit report.
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NE)

American Express advertised a promotional offer for the American Express Delta Gold card when I was purchasing flights on XXXX XXXX ' website. It was a welcome bonus ( 0 % APR for the first year, {$250.00}, and XXXX miles if I spent {$3000.00} in 3 months ) written in their advertisement. I was attracted to this welcome Bonus and recently came to know after checking my account that I am not eligible for that offer without any notice, and there was interest applied on purchases. I contacted American Express, and they said something popped up that said I was not eligible for a welcome offer. But they approved my credit card and didn't let me know I was not offered the welcome Bonus in any e-mail. I found this lack of clarity in informing customers of their intention. 

During our conversation today ( XX/XX/2022 ), they offered to waive the interest on the purchase, but I refused to take that offer as I thought this wouldn't solve the position of clarity.
Consumer complaint received 2023-01-19
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. (NC)

The below accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are listed as charged off on my credit report and these companies never sent me a XXXX cancellation of debt form and because of that, these accounts are inaccurate and has to be removed.
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NC)

MCM Or Midland credit management sent me information about collecting a debt I made one payment however the email provided to me by MCM states that if I default my new payment amount will be If you default on your payment plan, this agreement will be void and the full balance will be {$380.00}. However on my XXXX and XXXX they have reported I owe {$380.00}. This is wrong and incorrect information.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On all XXXX credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX XXXX XXXX notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender and equifax investigation would not followed and XXXX XXXX sent letter proving i was and have never been late. The card holding company is XXXX XXXXXXXX XXXX but the credit card is XXXX XXXX and Equifax has that account listed twice on my report with the old account which was updated with 30 date late payment in XX/XX/2020 and the new account number which is accurate after XXXX XXXX went to a 16 digit credit card number versus 12
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

I have noticed few months ago that there is a collection on my name XXXX XXXX XXXX, and XXXX XXXX. I contact with property manager XXXX XXXX and told her why its on my name since i never lived there. And i told her you removed or i will take you in a court she said no she want to solve issue and she offer me settlement of account. And even tbough i never live there i agree to settle this account and we have agreement and we settled that matter in her office. And she told me that she wrote a letter and email to credit bureau that they can remove. But experian updated that i owe XXXX to XXXX XXXX XXXX XXXX XXXX. I contact her again and she email me back and she said she emailed again.
Consumer complaint received 2022-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from Debt Recovery Solutions , LLC in XXXX of 2022 in the amount of {$1500.00}. First and foremost, Debt Recovery Solutions violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Secondly, what obligation do I have at all to Debt Recovery Solutions? I have never heard of them, have no written contract with them, and have never received any benefits from them, yet Debt Recovery Solutions has submitted negative information to all three credit reporting agencies against my name and social security number and is demanding payment from me in the amount of {$1500.00}. Without my signature on the original creditor contract that shows I ever agreed to pay an assigned debt collector, Debt Recovery Solutions is breaking the law by negatively reporting this information to the Credit Bureaus.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CCS Financial Services, Inc. (FL)

On XX/XX/XXXX, I received a alert on my XXXX  Credit Report from Credit Collection Service. Immediately I called this collection agency to verify this debt. I spoke with a supervisor by the name XXXX, he informed me that the only information they have for this account is a DOB and a address. Then I proceed to ask him to verify this account by using my social security number, he couldnt. They told me that they dont need a social security number to verify this is my account. I never had car insurance with this company. How can they report this to my credit without using a social security number or at least identify me? This is clearly a violation of the FCRA.
Consumer complaint received 2019-04-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

XX/XX/2019, a person called asking for " XXXX XXXX. '' I informed the caller, that is not my name. She asked if she was just pronouncing it wrong ; to which I responded, " No, that's not my name. You are calling my phone number, but you have the wrong person ''. She continued talking stating she needed to verify that she was calling the correct number. I continued to inform her the name she is inquiring about, is not my name and to please take me off her call list. She refused stating she needed to verify who she was speaking to. I told her she never verified who she was ; not even at the beginning of the phone call, so I'm not going to give her any information. I said, " You called my number lady, I didn't call you ''. After a few refusals of identifying herself, she said her name was XXXX or XXXX  XXXX ; some name starting with an " XXXX '' from Portfolio Recovery. I told her that I know Federal and State laws and how she was calling and I had already informed her she had the wrong person ; was illegal debt collection practices. I told her I no longer wish to receive phone calls ; if she has something to say, the company may send a letter. She then asked, " so do I have the wrong person because we will keep calling looking for our customer? '' I stated, " Clearly, you have the incorrect person. '' Then she hung up.
Consumer complaint received 2022-10-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NCB Management Services Inc. (MD)

As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (FL)

XXXX XXXX XXXX I have had my PayPal account for a little over a year. I've only had 1 transaction me paying for a XXXX account. I had gotten locked out of my Re-Employment account and was unable to claim 17 weeks of unemployment. Finally it was unlocked. The DEO deposited a little over {$5000.00} into my PayPal account. I initiated an instant transfer to my bank, it was denied. I tried a regular transfer, denied. i tried requesting a check be sent to me, denied. I tried sending money that I owe a friend for helping me pay rent. That transaction was denied as well. I added another account and tried transferring MY money out, DENIED. I sent a message requesting help. I was answered by my account being limited and having to verify my identity. I did immediately. It passed verification and limits lifted. I tried again to transfer money out and was answered with limits again. I had to answer questions about where my deposits came from and why i received it. I explained my situation with FL DEO and unemployment. Keep in mind Paypal was advertising to have your government checks direct deposited into your PayPal account. I did what they advertised and now i have no access to MY MONEY! I logged into my PayPal the next morning to find PayPal had closed my account and I would not be able to access my money for 180 days. They said I violated their terms and agreement and gave me no explanation. I requested their evidence as to what I violated, no answer. Paypal is holding my funds illegally. They are in breach of their own contract. The Paypal Balance Terms and Conditions states : " Hold your Balance Account balance for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy ; '' There is no risk of liability because I have not abused my paypal account in the past, i have no chargebacks, or even recent transactions. I only wanted to transfer MY MONEY out. I verified all my information and explained my money came from Unemployment. I did not violate their Acceptable Use Policy either. PayPal is not responding to my request for sn explanation as to what terms and conditions I supposedly violated. Due to their own Breach of Contract they have bo right to hold my funds for 180 days and collect interest illegally
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX stated that payment was late 30 - 59 days late and that is false. I am current I talked to manager XXXX and he stated they will fix the issue. Months later I still see missed payment.