davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NY)

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX remove I have disputed by mail with all three credit bureaus. act # XXXX
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2023-01-18
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

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
Consumer complaint received 2021-08-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

1 ) why did BOA allow charges over my limit?

2 ) Amount stated due has been disputed withBOA and is due to COVID and country closure.

3 ) BOA has been faxed all supporting documents including email copy of XXXX XXXX stating a refund is coming but is several months out. 

Purchase dates : XX/XX/2021 Disputed with BOA : XX/XX/2021 BOA Call : XX/XX/2021 & XX/XX/2021 Documents faxed to BOA : XX/XX/2021 So BOA is erroneously reporting a bad mark on my credit AND refuses to research or consider the documents sent to them showing country closer due to COVID. They have not kept up their advertising of covering their clients due to COVID related issues and have done no research into the documents provided.
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company is reporting negative items on my credit report that are either inaccurate or not even mine! I contacted them for a solution over 60 days ago and I still havent gotten a response. I have attached my letters and my identity documents for confirmation.
Consumer complaint received 2017-07-31
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. (IL)

TRANSUNION REFUSE TO TAKE INFORMATION THAT DOESNT BELONG TO ME OFF MY CREDIT REPORT I HAVE SENT PROOF OF MY CURRENT ADRESS AND CURRENT MAIL PROOF OF DRIVERS LICENSE
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. ()

I have an account with Coinbase, and I have a wallet plus a Vault, where I usually store the leftover money, I have never had a problem to transfer the money from the Vault, to the normal Wallet, except for this time, the site asking me to confirm approve the transaction, and they are using two of my email addresses, one works fine, and the other address never worked, I didn't receive an email to ask to confirm, nothing at all, I wrote them 5 emails asking them to approve it or to send me the link to my other email, but they never replied, and I have made them aware i would complained about it, but still no answer what so ever. I would like to have the money back from them, and I will close my account, can not stay with a company that doesn't even respond to their customers, I feel like they are stealing my money
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Had a XXXX card from you. In good standing. It was closed because you learned I had felony convictions. I've already talked to a lawyer who deals with the FCRA. He says these things are not found in credit reports. Since I gave you no permission to background check me, I believe you are in violation of federal law. He asked me to have you tell me where you got my information before we move forward legally. Just told me today if we get no response we will be sending a letter by certified mail to your legal department. Please put me in touch with someone on your legal team to tell me how you have my information without my consent.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Despite sending two dispute letters, via certified mail, regarding my XXXX XXXX XXXX  account on XX/XX/XXXX & XX/XX/XXXX, and uploading supporting documentation via Transunions online dispute portal, showing on time payments deducted from my bank account, Transunion continues to state a inaccurate late payment that never occurred, is verified. Transunions refusal to correct clearly inaccurate information is in violation of federal law, has significantly damaged my credit score and has had significant, unfair and unnecessary financial and emotional repercussions. My credit score has unnecessarily dropped nearly 60 points and I can not acquire needed credit during a catastrophic pandemic. Per FCRA, Transunion is required to have a copy of original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). Furthermore, despite two requests via certified mail, Transunion has failed to provide the method of verification under 611 ( a ) ( 7 ). Per section 611 ( 5 ) ( A ), Transunion is required to promptly delete all information that can not be verified. Please be advised that this is my third request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights, seek relief and recover all monetary damages that I may be entitled to under 616 and section 617 regarding your willful and negligent noncompliance.
Consumer complaint received 2024-03-23
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: Nelnet, Inc. (SC)

XXXX continues to report my student loan information after several attempts at getting them to do things correctly. XXXX is in violation of The Family Educational Rights and Privacy Act ( FERPA ) This is a federal law enacted in 1974 that protects the privacy of student education records. Transaction history being reported on my consumer report is a violation of this act. FERPA applies to any public or private elementary, secondary, or post-secondary school. Transaction history being reported on my consumer report is also a violation of the privacy act of 1974 Additionally there are several erroneous entries on every account listed as Fed Loan Servicing, a total of 10 accounts, is showing payments as current, but the last payment received was on XXXX XXXX on accounts closed on XXXX XXXX
Consumer complaint received 2016-09-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc. (FL)

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAUor any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (FL)

Recieved a text from ( XXXX ) XXXX FRM : PNC Bank Debit Frozen SUBJ : Contact XXXX MSG : : XXXX I am assuming this is a scam since I don't have a PNC account XXXX I have not " contacted '' the XXXX number
Consumer complaint received 2017-09-18
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: TD BANK US HOLDING COMPANY (FL)

I contacted TD Auto Finance on XX/XX/XXXX and asked them why they accessed by credit file on XX/XX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization they transferred my call around and I got no reply.
Consumer complaint received 2017-12-30
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. (FL)

XX/XX/XXXX- I am a victim of identity theft thru a security breach at Equifax. I learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I therefore requested XXXX XXXX to be used that it be closed immediately. I also filed a dispute with Equifax. 
XX/XX/XXXX - I received confirmation, reference number XXXX, from Equifax that the dispute has been completed. 
XX/XX/XXXX - I attempted to access the result on line per Equifax, I received an error message " The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or contact us directly to check the status of your dispute ''. I was unsuccessful to reach a live representative at Equifax. I sent a follow up letter requesting Equifax to provide the result of the investigation and action taken per Fair Credit Reporting Act.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

USAA has been sent documents relating to this for the past 6 months and still chooses to report 2 accounts on my credit on XXXX that arent mine. I want these removed.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

I made a purchase online in XXXX and paid for that purchase with my PayPal account which I have had for over 15 years. I did not receive the merchandise and requested a refund from the seller. This refund was made in a series of payments to my PayPal account and PayPal froze my account for 21 days holding those funds. It has now been more than 30 days and PayPal refuses to let me transfer those funds to my bank. They will not release my funds. I spent over twenty minutes on the phone with a representative who refused to close my PayPal and credit card account with them and send me my funds, which they are illegally holding. I have had this account with them for over 15 years and never had a problem, but their actions over this incident have caused me to lose confidence in PayPal and their system and I simply want my funds transferred to my bank and the account closed. They refuse to do this.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Completely Irritated with Equifax! I have been trying to log into myEquifax account and information is Blank. 
I was able to visually see some data by " pretending '' to file these disputes directly with them. 
I am submitting these with attachments for Correction Again.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One is refusing to remove a late payment on my credit card. After seeing them all over the news, I am sure that my payment wasn't applied because of the breach. This is not fair that I have had this card for years with no late payments and now they report me 30 days late in XX/XX/2019? How is that possible? I already filed a complaint with XXXX XXXX XXXX and now I am coming to the CFPB because I have never had a late payment on my account or any other accounts and now this is going to affect my credit severely. Then after my complaint to the XXXX they changed my late payment to XX/XX/2019 which proves my point that their records are all over the place and their breach is affecting my credit. My next step is to contact the attorney general or attorney to see what they can do to help me.
Consumer complaint received 2021-09-20
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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (TX)

On XX/XX/2021 I paid my regular monthly payment of {$370.00} which was due XX/XX/XXXX, XXXX Credit Acceptance reported this payment to the credit bureaus as 30 days late. That information they are reporting is false. That payment I made on XX/XX/2021 was only 19 days late, not 30. I called them several times to get them to remove the derogatory remark from my credit report. As a result of this false 30 day late payment entry on my credit reports, my credit scores dropped 40 points. I have worked really hard to keep my finances in order and this is too much to handle. I sent them a certified letter requesting validation that they have competent evidence that they received my XX/XX/2021 payment 30 days late. They claimed that I have {$50.00} in late charges and they reported the late charges as 30 days late. This is a blatant and total violation of the agreement which I signed. Only contracted payments in the amount of {$370.00} should be considered 30 days late if they are paid 30 days from the due date, not late fees. A late fee in the amount of {$37.00} is NOT a contracted monthly payment. 
I demand that this false 30 day late payment be deleted from all 3 credit reporting agencies immediately, in accordance to the Fair Credit Reporting Act and the Fair Dept Collection Practices Act.
Consumer complaint received 2020-05-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (NJ)

I was in the hospital and had no insurance, I was advised to apply for XXXX which I did and received. The hospital bills did not get paid and I went back and forth trying to get them paid. I started getting collections calls and agreed to pay a discounted payment. I had several different bills some were small I paid them in full. I made agreements with the bigger owed bills. When I went to refinance my mortgage I was denied because of a collection debt on 2 of my credit reports bringing down my score considerably. I got the information and called to collection agency, I was told that the bill was still outstanding even through on my paperwork I had marked it paid to another agency. 
When I spoke to the representative she told me that she could discount the balance by 40 % so I paid the bill. When I ask her when the derogatory mark would be removed from my credit reports she said since I didn't pay the entire balance owed it would not be removed. She said all I had to do was pay the entire balance, really! I have never heard of something so unfair. One of my other larger bills went to XXXX they worked with me gave me time to contact my insurance co, never put it on my credit report and I we settled on a balance and it was paid. So now they will not remove it, not only is it showing up as a collection account but also a late account and will remain on my credit for 7 years, for something I wasn't even away of. I did receive a couple of statements but the amount being billed was the same as the bill I had paid to XXXX, I just figured it needed time to catch up with the payment and then the bills stopped. The bill is paid and should be removed entirely from my credit report, they basically blackmailed me to pay the entire balance and I was unable to. I thought with all the copies of bills and what was paid I would be able to get it removed by disputing it. I don't think it's fair that I have to go back to the agency and pay the remaining balance to get it removed from my credit report, and what guarantee do I have that they will. I'm still hoping to refinance before the rates go back up. Can you help me?