davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have 3 credit cards that I pay in full monthly that Im the authorized user on. XXXX  is not reporting the information and removed the wrong accounts from the report. They refuse to re - add the information.
Consumer complaint received 2022-03-30
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. (SC)

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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
Consumer complaint received 2021-06-08
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (CA)

I was going over my so-called credit report and came across Kimball Tirey & St John on my so-called credit report claiming that I supposedly owe them {$620.00} I did reach out to the company onXX/XX/2021via phone call, The receptionist over at Kimball had asked me my name, I gave it to him than he asked me for the last 4 digits of my SSN number to identify me, I responded and told the receptionist that under 42 USC sec 408 the receptionist immediately spoke over me and told me that he was only a receptionist from there he did find the so-called account owed and transferred me to a woman over at kimball, I could not get her name because immediately when she picked up she asked for my ssn than name. I agin told the woman 42 USC she got very angry at me and told me that she has to disconnect the call if I did not give her my SSN, I told her no problem that I will just make a complaint with CFPB so now I am here making this complaint because for whatever reasons this fraudulent information is about I have no idea as yet but Ive never gave anyone permission to put anything on my so-called credit report.

15USC 1692g 15USC 1592n 15USC 1681a. etc etc etc
Consumer complaint received 2024-02-05
Product: Credit reporting 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MO)

I WAS REC REPEAT CALLS FROM MIDLAND I DISPUTE THE DEBT STILL REC CALLS I CALL XX/XX/XXXX XXXX XXXX 
HE DID AUTHENICATION OF MYSELF .... HE SAID I CANT HELP YOU WITH THIS ACCOUNT, HE PUT ME HOLD ... BUT DIFF USE THE BOTTON, HEARD HIM TYPING ... HE CAME BACK SAID, HE CANT HELP ME ... I NEED TO TALK TO XXXX XXXX I ASK, WHATS THE COMPANY ADDRESS OR PLACE HE REFUSED TO GIVE THE INFORMATION TO ME .... 
HE GAVE ME A NUMBER XXXX I ASK HIM IS HE A THIRD PARTIES COLLECTION .... HE REFUSED TO ANSWER .... 

VIOLATE -DID ASK ANY QUESTION? 
VIOLATE- REFUSED COMPANY ADDRESS VIOLATE-REFUSED SAY COLLECTION AGENCY
Consumer complaint received 2021-06-08
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: AES/PHEAA (CA)

FedLoanServcing As of XX/XX/XXXX they're still reporting FALSELY. I see what's going on. For example the original high balance is {$2800.00} BUT once I make a payment, they're changing the new balance to be the " Original High balance '' therefore resulting in my debt to ratio over exceeding ( over 30 % ). It's appearing that payments are not being made, causing my XXXX to stale and not increase. I disputed several times with all three credit bureaus and NOTHING is being done about the falsifying of data and disparities to my FICO score. I called last month XX/XX/XXXX and spoke with a Rep, of course she placed the blame on the credit bureaus, Rep stated they're accurately sending data through e-coach. Rep wanted to see a copy of dispute results so I uploaded it onto the website so she can view the dispute. She ensured me that the issue should be resolved. She did find it strange that my rejected {$50.00} payment on XX/XX/XXXX actually got reported to the credit bureau. XXXX shot up 52 points after a ( fake ) {$50.00} payment YET authentic large payments FICO doesn't increase. I understand why now. Fed loan is CONTINUING to falsely report principle ( remaining balance ) as the high balance. Example once I got my payment down to {$2500.00} from {$2700.00}. They're reporting {$2500.00} as the high balance AND remaining balance. It's should reflect High balance as {$2800.00} and remaining balance {$2100.00} ( my last payment on XX/XX/XXXX wasn't reported as well and they report at the end of each month. 
I've been dealing with this now since XX/XX/XXXX going back and forth getting no where. Fed loan & XXXX XXXX say it's the Credit Bureaus and The Credit Bureaus say it's the Creditors. I've Attached images and proof of payments.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Account has been open since XX/XX/XXXX. I put the account in forbearance for 4 months in XX/XX/XXXX. Those 4 months show that I was late instead of in forbearance.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-20
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. (MD)

THIS IS NOT AN UN-AUTHORIZED THIRD PARTY. I am making this complaint on my own there is no third party involved. 
This complaint is about me getting taking advantage of due to malpractice of while several laws are being broken under FCRA by your company. This has caused financial injuries on my credit report. 
Its caused me Defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. 
I have tried serval times to apply for loans such XXXX loan, but due to the pandemic under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Chime Financial Inc (VA)

I tried multiple time to get what was actually due for the card and never provide information. I was making small payments and didnt offer payment plans at all. Then charged off my account in less then 60 days.
Consumer complaint received 2020-12-04
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: CBC Companies, Inc. (IL)

Dear XXXX XXXX, XXXX  and, INNOVIS Thank you for sending me your internal records of the debt ( XXXX XXXX ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or valid E-Signature proving my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND XXXX XXXX including reporting payments on a CLOSED ACCOUNT from an Collection Agency AND creating duplicate accounts on my XXXX REPORT ( please see attachment ) which is in violation of the FDCPA. you stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2018-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (UT)

XXXX / Coinbase missing {$25000.00} wire transfer my XXXX file # Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST On XX/XX/XXXX I made a wire transfer from my Bank account to my XXXX / Coinbase account. My money arrived on the same day to XXXX bank and as of this day XX/XX/XXXX XXXX has not credited my account. 

I have called XXXX and coinbase several times and have several emails from the customer service department stating that the finance department will get to in at some time. 

I asked them how long this would take one week or 1 month and they would not give me an answer. 

XXXX clearly advertises same day wire transfer availability and at this point it has been 21 days that XXXX has had my money and will not credit my account. 

Please see my wire transfer XXXX file from my bank showing that XXXX received my money of XX/XX/XXXX and emails from XXXX acknowledging my complaint with no resolution from finance department. 

My XXXX case file # Case ID : XXXX Updated : XX/XX/XXXX XXXX PST Created : XX/XX/XXXX XXXX PST
Consumer complaint received 2018-02-12
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. (LA)

n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX DeXXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with XXXX XXXX, XXXX, XXXX, and Transunion on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.
Consumer complaint received 2021-08-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX TransUnion XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed twenty number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
2. XXXX/ XXXX, Date of inquiry - XX/XX/XXXX. 
3. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
4. XXXX, Date of inquiry - XX/XX/XXXX. 
5. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
6. XXXX XXXX XXXXo, Date of inquiry - XX/XX/XXXX. 
7. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
8. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
9. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
10. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
11. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
12. XXXX  / XXXX, Date of inquiry - XX/XX/XXXX. 
13. XXXX, Date of inquiry - XX/XX/XXXX. 
14. XXXX, Date of inquiry - XX/XX/XXXX. 
15. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
16. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
17. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
18. XXXX, Date of inquiry - XX/XX/XXXX. 
19. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
20. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
21. XXXX, Date of inquiry - XX/XX/XXXX. 
22. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

I purchased an item on XXXX ( item # XXXX XXXX board for XXXX   XXXX laptop ) from ( XXXX seller XXXX ) on XX/XX/XXXX. It wasn't shipped until XX/XX/XXXX. The item arrived into my mailbox on XX/XX/XXXX. USPS tracking # XXXX. Due to a XXXX in the family I had to fly out of town and didn't get a physical posession of it upon my return on XX/XX/XXXX. on XX/XX/XXXX, 3 days before sellers 60 days warranty expires, XXXX board mysteriously dies. The computer is completely useless. I have tried contacting the seller, but all I got is the run around. I filed a dispute with paypal ( Claim - # XXXX ) An hour later it was closed with explanation. 
Status After careful consideration, we're unable to decide this claim in your favor at this time. 
The listing accurately described the item you received.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (DC)

I am unable to get errors on my credit report fixed through Experian nor can I get my report mailed. I have tried to call the company multiple times without being able to speak with a representative.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I previously submitted a complaint through the CFPB about lates on my account. However, they provided me with a letter for my dad 's account. I have no idea where they got the idea that the original complaint was for my dad when all the information I gave the CFPB was for myself. Capital One Bank is reporting an erroneous late on my credit file. I recently submitted disputes with the credit bureaus to dispute another late on XX/XX/2020. They removed this late but added this new XXXX late. I was NEVER late in XXXX of 2020. I am requesting this proof be provided to me. I was not late and this needs to fixed on my credit file and not my dads!
Consumer complaint received 2021-06-08
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. (CA)

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I have also sent letters to all 3 credit bureaus XXXX, Equifax, and XXXX  over 30 days ago and have not received a reply or response. I will attach the letters that I have sent and singed with my signature. They have violated multiple laws of the United States 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 

15 U.S. Code 1692g - Validation of debts They were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I do not validate this debt. 

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 

THEY HAVE VIOLATED MULTIPLE RIGHTS AND LAWS
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XXXX, XXXX and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good morning i have been sending to the 3 credit bureaus dispute letters since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about the inaccuracy and incomplete of the accounts they are reporting. i do have proof that i been sending letters and also they have not even ones responded back to me. I have been trying to make sure they correct and delete the inaccurate accounts but they have not even responded back.
Consumer complaint received 2021-06-08
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: BARCLAYS BANK DELAWARE (FL)

Barclays US issued a replacement card because they changed the rewards sponsor. the old XXXX XXXX Visa card was replaced by the XXXX  Master Card with a different number. Upon activating the card on XX/XX/2021, all the online account information was replaced with the new card information only the old card balances remained. 

Being pressed for time, I placed a block on the card through the company 's online feature on XX/XX/2021, because I had a vendor that has a non-prorated refund cancellation policy, and also makes canceling a subscription through the website difficult. I was not able to access the old card account online as it had been merged with the new card upon activation. The vendor used the old card information to process the transaction for {$99.00} on XX/XX/2021. 

I contacted Barclays on XX/XX/2021, to inquire why the vendor was able to process a transaction with an old card that was replaced with a newly activated card of a locked card account. I also was concerned that since it was the same account, the old card should have been canceled upon the activation of the new card. They informed me that since the vendor had the old card information it would be possible to continue to charge the account until the old XXXX Visa Rewards card expired regardless of the replacement card being active. They informed me that my only recourse was to submit a dispute for the charge. I informed them that this would not be correct since the account control failure was Barclays. they said that's all they could do. 

Also, note the inability to block the old XXXX Visa Rewards card because the account was merged and only allowed me to control the newly activated XXXX Master Card.