davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/2015, I purchased a vehicle from XXXX XXXX XXXX, in XXXX, KY. I was under the impression that I would be purchasing my vehicle directly from the dealership. No mention of my purchase being a lease, or being sent to another company was ever discussed. I am attaching a copy of my original purchase receipt, which makes NO mention of a lease agreement, or a leasing company!!! 

My information was supposedly handed over to XXXX XXXX without my knowledge. This company, after a lawsuit was filed by the Attorney General of West Virginia, was required to vacate any debt that they claimed was a result of a repossessed vehicle. They then changed the status of the debt that they were incorrectly reporting under my name from " Reposessed, '' which would have forced them to remove the debt as agreed in the lawsuit settlement, to " Voluntary repossession, '' which allowed them to continue to unlawfully claim this debt as being mine. 

Other than another lawsuit against this unscrupulous company, nothing will make cease their fraudulent claims that they can not and have not proved, as required by FCRA regulations. They continue to skirt these laws and they are allowed to do so by the credit bureaus, as well as by any agencies that do not force them to produce the full proof of debt, including signed contracts between myself and the responsible party, as they so claim.
Consumer complaint received 2019-09-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (AL)

I had an outstanding balance with XXXX XXXX XXXX XXXX XXXX XXXX of {$210.00} when I moved from XXXX to XXXX, XXXX. I forgot about the bill but never knew it went to collections. It appeared on my XXXX report and has caused detrimental damage to my credit score that has caused me hardship. I would like to pay the full amount but feel that the collection agency which is credit systems international based in XXXX XXXX, XXXX should remove the derogatory information from my credit reports. I never got any Communication in the mail from them.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted XXXX, XXXX and Transunion to let them know they are reporting incorrect personal information on my report including incorrect addresses, incorrect debts and social security numbers. 
I have asked them to provide me with the following : Any contract or agreement with the original health care provider that grants the authority to report on this alleged debt you must be in compliance with subtitle D of the ARRA, SEC. 13401. Application of security provisions and penalties to business associated of covered entities ; and SEC. 13407 ( 1 ) Breach of security and the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/2009. Under the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) your company will face liabilities if they do not : Provide accurate information Prohibition Prevent reporting information with actual knowledge of errors. 



I demanded them send me the following documents : 1. Copies of any agreement with my wet ink signature and a copy of any HIPAA authorization form. 
2. A copy of the contract between the collection company, credit bureau and the original creditor with authorization to legally collect and report on this debt.

I requested the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). They are required under the above named titled and section, to show lawful authority to report and collect on an alleged debt claim ; I requested the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor. 
The original application for this account with my signature. 
A copy of the agreement authorizing your company to collected on their behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide the license to collect and report in my state and registered agent name with their address. 
Please show proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions.
Consumer complaint received 2022-04-29
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: McNeil & Meyers Asset Management Group, LLC (FL)

For XXXX XXXX the company XXXX XXXX XXXX have sent fraudulent information to XXXX of a debt that according to them belongs to me for {$4100.00}, damaging my history for several months, the contract that they send is not my signature and it is not the account number that They say that I must, even so I send all the documents that support me and attest to my good name, this company has not hesitated to correct said error, I beg you to take action against this company that charges without documents that support that is my signature and account number.
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

My CoinBase account had an attempted password hack and I could never create a new password because they locked my account. I emailed Coinbase because they do not have a customer service phone number but they never replied. I had {$900.00} in my account that I cant access. Ive tried multiple password and account resets but the app keeps saying my account is locked. I made a complaint with the XXXX XXXX XXXX but they informed me that all they can do was submit my complaint. Coinbase has a reputation for locking accounts and Ive read individuals have to contact a lawyer. I believe theres a class action lawsuit against Coinbase. Please any assistance would be appreciated.
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/21 I Made A Cash Down Payment Too Enterprise Dealership Of total Of {$2300.00} Cash Payment. But Ive notice that my contract says it was credit {$2300.00} is {$42000.00}. If Im paying the total loan back was a suppose make a cash down payment to the dealership?
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 — Personal information incorrect
Company: EQUIFAX, INC. (TX)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.
Consumer complaint received 2018-02-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Big Picture Loans, LLC (MD)

I received preapproval offers in the mail from bigpictureloans.com. I was approved for just {$600.00} even though I wanted more, however for the {$600.00} the apr was going to be 677.83 % for 6months. so I would have paid over {$4500.00} over the duration. I thought it was not real so I called them up and they confirmed that apr. I don't think anybody should be allowed to rip off the poor like that, it should be illegal. they need to go out of business.
Consumer complaint received 2018-03-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

Have a debt with Transworld System Inc. that i had paid off. They stated that due to the item being a medical collection that it would be removed from my credit after being paid in full! While they did place a {$0.00} balance on the report they did not delete as promised!
Consumer complaint received 2018-02-07
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2022-04-29
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. (FL)

I have sent in my identity theft report several times to XXXX XXXX and Experian asking them to block and remove these fraudulent accounts of XXXX  XXXX XXXX XXXX  XXXX. XXXX and XXXX XXXX- XXXX. These is in violation with us code 1681c 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (TX)

I, XXXX XXXX, was working with JPMCB. During this credit transaction, they have shared my private information and violated my consumer rights. This has caused me great stress, and has limited my ability to act as a consumer. They have not validated this debt according to 15 USC 1692g. They have violated many rights as I will show below.
Consumer complaint received 2021-01-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

On XX/XX/2020 I went to Western Union Agency located at XXXX XXXX XXXX XXXX. XXXX XXXX California XXXX to make a international money transfer of {$96.00} to XXXX XXXX. The problem was that receiver person identification was expired and could not collect the money ... So contacted Western Union costumer service. They alway put me excuses that they're investigating the case, I never received any refoud yet, please help me I need my money back. 

CFPB # XXXX I reported by phone
Consumer complaint received 2021-11-08
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. (IN)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXX/XX/XXXX {$120.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

My house was foreclosed back in XX/XX/2010. There was a full auction on my front lawn and a closing. Also, I received actual XXXX XXXX, tax documents from the bank, that I used on my taxes to prove I no longer owned the home. a few years later, I did some research and found out they illegally foreclosed. However, Then, they started charging for payments during the months and years they had legal ownership. My credit and credit report has been affected. And to start this whole process over, without working out a fair and equitable modification would be punitive.
Consumer complaint received 2021-11-05
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: National Credit Systems,Inc. (NC)

After taking a look at my credit report and seeing accounts that I did not recognize, ( XX/XX/XXXX ) I sent a validation letter requesting for documentation that shows I owe National Credit Systems for the accounts listed on my credit report or to have the items removed entirely from my credit report as it is inaccurate and untrue ( received XXXX ). Evidence concluding such was included in that validation letter. 

( XX/XX/XXXX ) I received a response from National Credit Systems that said that I have not provided enough information to validate or correct their records when I thought it was me who requested validation from them. Included within that letter, they have provided me with a lease contract between a former landlord and I. No information or documentation that shows that I have done any business with them and it is listed inaccurately on both of my credit reports. When I have requested them to be removed from all credit reports within 30 days, and a copy of the deletion with 5 days of the change. The last updates to the accounts were XX/XX/XXXX and I have yet to receive any notice of correction or deletion. 

National Credit Systems has not only failed to delete the invalid and unverifiable information from my account within the 30 days of complaint receipt ( XX/XX/XXXX ), but they also are continuing to submit information that they know to be incorrect.
Consumer complaint received 2021-01-28
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. (NJ)

On XX/XX/2020, after pulling my credit report, I discovered multiple accounts on it that I did not recognize. Few days went by and I went file Police Report on the XXXX of XXXX, 2020. With the Police Report in my hands, On XX/XX/2020, I submitted my first dispute package to the CREDIT BUREAUS, with a list of all the accounts that were not mine. As of today 's date, I still have a few accounts that I need out of my credit report so I decided to take an extra step, contacting the CFPB for some help. Below is a list of accounts names remaining on my credit report that are not mine and they are badly affecting my credit score : XXXX and two accounts with XXXX  XXXX XXXX  XXXX XXXX Unfortunately, I am not able to upload my last complete package that I mailed out to the credit Bureaus, but attached are the most I was able to upload.
Consumer complaint received 2023-01-18
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-11-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aequitas Capital Opportunities Fund, LP (TN)

CarePayment sent me a " bill '' in the mail and they have violated several sections of the Fair Debt Collection Practices Act. 

1. They included language on the front and back of the envelope that imply that I am in debt. That violates my consumer 's right to privacy and also violates section 15 USC 1692F8 of the FDCPA. All mail carriers and everyone who is at my abode location sees this information!

2. They also stated in the letter that I owe {$120.00}. That is also a violation of the FDCPA section 15 USC 1692B2 because it states that you CAN NOT state that such consumer owes any debt.

3. The Truth In Lending section says that in ANY consumer credit transaction the finance charge is supposed to be the SUM OF ALL CHARGES and there are to be no cash comparable type transactions included. That means I am not supposed to be billed anything under a consumer credit transaction. CarePayment is in violation of federal law 15 USC 1605 AND 15 USC 1692E10. They are using false representation and deceptive means to attempt to collect an alleged debt concerning a consumer.

4. CarePayment also used obscene and profane language in the alleged " bill '' that they sent to my abode location. They used threatening language in the contents of the mail to persuade me to pay a bill that I am not supposed to be billed anyway. They used threatening language of adding late fees 5. CarePayment also violated section 15 USC 1692 ( 2 ) ( A ) of the FDCPA. They falsely represent the character, amount, and legal status of an " alleged '' debt that they sent to me in the mail.
Consumer complaint received 2022-04-29
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: JPMORGAN CHASE & CO. (WA)

JP MorganXXXXXXXX XXXX  Credit card XXXX Credit card has me as authorized user but I did not authorize the use of my name and personal information.
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been violated by Capital One Bank on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (CT)

I have noticed an account in collections ( for the amount of {$1200.00} ) from the company Allied Collection Services in XXXX XXXX, Nevada that is negatively affecting my credit score. However, I did not receive any notification of the debt until I noticed it in my report. The collection agency is also not licensed to do business in the state I live in ( Connecticut ), and I would like to have it removed from all three credit reporting agencies. Thank you for your help.