davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
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. (MD)

XXXX XXXX XXXX ACCT XXXX XXXXXXXX  I'm writing to you regarding discrepancies I found on my credit report. 
Why is this account being report with 2 different dates of last activity on the 3 major credit reporting companies also different dates of opening the account XXXX reporting open account and 120 days late, XXXX and Experian reporting past due amounts this is a violation of FCRA and also in violation of requisite METRO 2 complaint reporting standards. 
by the provisions of the FAIR CREDIT REPORTING ACT and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 compliance regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable.
Consumer complaint received 2022-11-05
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. (CA)

To whom this may concern, I have multiple inquiries from XXXX XXXX XXXX  I didnt give XXXX XXXX XXXX  XXXX consent for inquiries. I have disputed the inquiries and ovXXXX XXXX XXXXeted reports from XXXX XXXX was removed, due to these deceptive tactics I have been financially unable and stressed. I now noticed that these are violations under the FDCPA and XXXX XXXX is legally obligated to pay for violations. Like I said I have over 20 and Im putting yall on notice so we can have this matter taken care of. Also I received a report from a new debt collector stating I owed a debt of {$510.00} and I learned XXXX XXXX XXXX  sold them my information without any consent another illegal tactic this company has made against me.
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of identity theft.
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

Im reaching out to Consumer Financial Protection Bureau for help with an ongoing dispute that I have been disputing with Experian since XX/XX/XXXX. I have an inaccurate collection on my credit report from XXXX in the amount of {$930.00} in which XXXX XXXX XXXX concluded the investigation per my request concluding that I was not responsible for the account and submitted for deletion in XXXX of XXXX and the collection still remains on my credit report. 

In previous efforts that I have attempted in contacting XXXX about their response they have stated that the removal request was submitted and that I will need to follow up with Experian as to why I have submitted the necessary documents in an attempt to have this resolved. 

Experian keeps stating that XXXX has validated the debt and doesn't provide any information regarding their validation. I have also disputed this account with XXXX  and they also conducted an investigation and removed the collection account from my XXXX  report. 

I feel that it's a bit odd that not all credit bureaus are on the same page with each other and I really feel that Experian is not doing their due diligence in having the consumers best interest. I have submitted the results from XXXX to Experian showing that XXXX   has removed the debt from my credit file and they seem to have disregarded that information submitted. 

I appreciate any help that CFPB can provide in this matter. 

With Regards, XXXX XXXX XXXX
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Reporting Act. The List of accounts below has violated my federally protected rights to privacy and confidentiality under U.S.C. 1681. 

XXXX XXXX XXXX XXXX Acct # XXXX, First Premier Acct # XXXX, XXXX XXXXr Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inacurate.
Consumer complaint received 2021-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Dear, to whom it may concern ; I XXXX XXXX XXXX  and XXXX  in my XXXX XXXX back in XX/XX/XXXX or XXXX, depending on time I went into XXXX I ended up getting scheduled to get XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, around the middle or late of XXXX if not early XXXX the lastest,. I also had and still have to endure XXXX XXXX because my XXXX XXXX XXXX  is still messed up to the point I have to get another XXXX. I have not been employed due to whats been going on with my XXXX XXXX and XXXX ; also, I live with my grandfather who has multiple medical health problems involving his XXXX, I can not bring him home XXXX. I can one of his care takers on things I am able to help, because I can't help with everything due to my XXXX. Lastly, the total due amount is incorrect and XXXX came right after.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. There are fraudulent accounts on my credit report that need to be removed immediately. 

Collection Companies XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Bureaus XXXX XXXX TransUnion These collection companies and all three credit bureaus are in violation of 15 USC 1681b - Permissible purposes of consumer reports by reporting to the credit reporting agencies without my written permission. They are also in violation of FDCPA Section 807 False or misleading representations. All three credit bureaus are in violation of federal law and have refused to acknowledge these laws. My federal rights have constantly been violated for going on over a year now. I have asked for proof which is required according to federal law, and they still have not complied. I advise XXXX, XXXX and TransUnion to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home.
Consumer complaint received 2021-09-22
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. (PA)

XX/XX/XXXX - I submitted an application for rental unit. They reported an eviction on the consumer report. The information I provided shows this case was dismissal without prejudice on XX/XX/XXXX.
Consumer complaint received 2020-11-15
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AE)

I booked travel via AMEXs travel portal XX/XX/XXXX for {$210.00}. In accordance with their website advertisement of a {$200.00} Annual Travel Credit ( https : //www.americanexpress.com/ca/en/benefits/the-platinum-card/annual-travel-credit.html ). 
I met the Benefit Eligibility ; Basic Platinum Cardmembers As well as met the Terms & Conditions 1. The {$200.00} CAD Annual Travel Credit can only be redeemed at time of booking through American Express Travel Online at XXXX or by calling Platinum Card Travel Service . Travel booking must be charged to your Platinum Card. Account must be in good standing. If you choose to use the Travel Credit, it will be credited to your Card account within 2 business days. Basic Cardmember is entitled to one ( 1 ) Annual Travel Credit each year based on Card membership anniversary date, towards a single travel booking of {$200.00} or more, and will appear on your billing statement as Platinum Annual Travel Credit. If you cancel your travel booking after redeeming the Annual Travel Credit, you will not be able to use it again in the same year. You can only use one Travel Credit per booking.

However, now after having contacted Amex ( XXXX, XXXX, XXXX, XXXX, XXXX ), Im being told over the phone, contrary to their website that the benefit only extends to SELECT Platinum members, not all BASIC platinum members as advertised ( and still advertised ) on their website.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NY)

I have been contacting coinbase support now for a long period about 3 to 4 weeks now concerning my account TEMPORARY DISABLED. 

i got a reply from support few days ago to secure my account and email back which i did i secure my account and have been trying to get it activated cause i have about {$1900.00} worth bitcoin for certain trades but i cant get in my account cause its disabled temporary. 

CASE NUMBER - # XXXX
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Well on and XXXX there is a charge of around {$400.00} and I called and disputed the claim and they don't seem to want to help me solve this it is not mine and I just want to get this fixed
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account # : XXXX Account name : XXXX XXXX, Account # XXXX Account name : XXXX  XXXXXXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX Account name : XXXX XXXX, Account # : XXXX Account name : XXXX - XXXX XXXX, Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX -15 U.S.C. 1681 section 602 A. States I have the right to privacy.

-15 U.S.C. 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

-15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-09-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN INTERNET MORTGAGE (MD)

I am an XXXX XXXX service member in the United States XXXX XXXX. Recently, I was approved for retirement with a retirement date of XXXX XX/XX/XXXX and have planned on moving from my last duty assignment in XXXX  to a new location for post-retirement employment with the Federal Aviation Administration in the XXXX XXXX area XXXX I am approved to move and seek employment anytime after XXXX XX/XX/XXXX, which is my terminal leave date. As part of this retirement process, my spouse and I entered into a contract to purchase a home in XXXX XXXX on XXXX XX/XX/XXXX. To support the purchase of a new home, my spouse and I applied for a mortgage with Aimloan. I disclosed to Aimloan that I was retiring from military service and provided them three ( 3 ) different documents to substantiate my current income and future income. 
1 ) Two pay stubs from my current XXXX XXXX military service that substantiate my pay until my retirement date of XXXX XX/XX/XXXX. 
2 ) A statement from the United States XXXX XXXX indicating my discharge date of XXXX XX/XX/XXXX, the honorable character of my service, and my retirement pay/pension amount, which commences on XXXX XX/XX/XXXX. 
3 ) A Firm Offer Letter of Employment from the Federal Aviation Administration, which identifies the start date on XXXX XX/XX/XXXX and future salary for my post retirement job. 
Aimloan refuses to use any of these income sources as creditable income for securing the loan. I provided substantiating documentation for all three sources of income. Aimloan ( the lender ) has stated in reply that because I am retiring my current military pay can not be considered as a source of income for the loan application even though retirement occurs three months after the planned closing date ( XXXX XX/XX/XXXX ) on the home purchase. They further state that because I am not currently retired and have not received any pension payments that my retirement pay can not be considered as a source of income for the loan application. Lastly, because I have not started in my new job and do not have pay stubs that the Firm Offer Letter can not be considered as a source of income for the loan application. Aimloan is discriminating against me as a military service member transitioning to civilian life and refusing to recognize my current income and my future pension payments, which is preventing me from securing a mortgage and putting my future employment opportunity in jeopardy.
Consumer complaint received 2018-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (TN)

I had a phone call from this company XXXX XXXX XXXX from phone number XXXX. He did not state who he was with right away when I asked. He asked if this was XXXX and I said that is correct. He then told me who he was but did not tell me he was trying to collect on a debt that I am not aware about. I asked him to send this information in the mail and then he got nasty with me and told me to go XXXX myself and that he will let them know I am not willing to corporate and hung up on me. They call crazy hours like XXXX central time. This took place on XX/XX/2018 at XXXX XXXX. I then proceeded to call company back and told them I wanted to speak to a supervisor. The supervisor was rather rude and was explaining to me that they do not have to provide documentation about this debt. I asked him to send to me in US mail and he was rude about it. He also stated to me that this is my account and he does not need to send this information. I said to him that according to the Federal Reporting Act he does by law. He then hung up. I do not feel this is good practices for this company.
Consumer complaint received 2018-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (CA)

NCC BUSINESS IS ATTEMPTING TO COLLECT DEBT I DON'T OWN AND THEY THREATENED TO SEND POLICE TO MY HOUSE TO ARREST ME IF I DIDN'T GIVE THEM MY CARD OR BANK ACT NUMBER OVER THE PHONE. THEY ARE CALLING MY RELATIVES AND AT MY WORK NOW ... THIS IS REDICULOUS PLEASE STOP THIS ILLEGAL ACTIONS ... 
XXXX XXXX XXXX XXXXXXXX XXXX IS NOT EVEN IN THE BUSINESS ANYMORE IF I OWED THEM MONEY THEY WOULD HAVE REACHED OUT TO ME DIRECTLY BUT THIS ENTITIY DOES NOT EVEN EXIST ...
Consumer complaint received 2021-09-22
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: TRANSWORLD SYSTEMS INC (TX)

There is a collection on my credit report from Transworld Systems Inc for a utility bill that is not mine I have reached out to them several times providing proof that this bill is not and could not be mine and to no avail. They keep coming back to me with an identity theft paper for me to fill out which all that would do is give them all of my accurate information of which I do not want to do. This collection has a service address of XXXX XXXX XXXX XXXX, Tx XXXX and the bill shows a statement date of XX/XX/2017. I sent them proof that I was not at this location at that time that I lived somewhere totally different and also showed them that I had a totally different light company. They still refused to removed this inaccurate account from my credit report and it is adversely affecting my scores and should not be reporting. I lived at XXXX XXXX XXXX XXXX XXXX, Tx XXXX at this time and had and still do have XXXX XXXX  as my utility company not XXXX XXXX XXXX and provided Transworld Systems with not just one bill from the same timeframe proving that I was not at this location and have no idea about this account. But I also sent them 2 other bills that were prior to this timeframe of the statement they sent me to show them that I had this utility company and lived at a different location long before this supposed account was charged off. Still they refused to remove this account so now I am filing a CFPB complaint because for one just sending me a statement is not proof that I owe this debt and also because I proved to them that I did not even live at this location and have no idea about this account and they still have not removed it from my credit report. I have attached a copy of the statement that they sent to me as supposed validation of the debt which it is not and also all 3 of the bills from my actual utility company with dates well before this account charged off for you to review. This account needs to be removed from my credit report immediately or I will have no choice but to take further action and possibly retain a lawyer.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I mailed dispute letters to Equifax credit reporting agency. My response from them was recently received in the mail with a response date of XX/XX/2021. They did not respond to my disputes within 30 days so they are required to delete all of the disputed accounts listed below, which were disputed on XX/XX/2021. 

Bankruptcy XXXX NCB XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX