davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX CT XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXXXXXX .... Balance : {$50000.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX   XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (WA)

I have been buying bitcoin and ethereum on XXXX XXXX for a few months now and this is the first issue iv had, and yet its a big one. Coinbase charged me twice for most if not all my transactions. Onc3 on the day i purchesed them, and then they charged me the same amount for all my purchases again on XXXX. XXXX, 2018. I have included my online bank statements. The ones with the red mark next to them are the second charge and the ones with the blue are the original charge on the day i purchased. I also provided my coinbase purchase history where i outlined all my transactions in purple. I have tried to contact support mant times and can not seem to get ahold or get through via email or phone. My Case number with coinbase is XXXX
Consumer complaint received 2024-03-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (OH)

I received a notification from XXXX that my credit received a major derogatory account and checked to see that my score had dropped by over XXXX points. A collection was added by Sunrise Credit Services for a {$5400.00} bill from XXXX XXXX XXXX XXXX. I have never had an account opened at XXXX XXXX XXXX. I certainly never received any verification of the debt from Sunrise or XXXX XXXX XXXX nor was any attempt made to contact me. This debt is either fraudulent, or the collections company is trying to collect from the wrong person.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (TN)

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX opened XX/XX/XXXX for {$130.00}, XXXX XXXX XXXXXXXX opened XX/XX/XXXX for {$400.00}, XXXX XXXX XXXX  opened XX/XX/XXXX for {$810.00}, XXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EXPERIAN, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX I reported unauthorized charges of {$470.00} No Ajustment Purchases/Temporary Credits ever applied No Permanet Credits from USAA ( see XX/XX/XXXX statement ) ARE THESE FALSE STATEMENTS? OR IS LETTER OF XX/XX/XXXX FALSE STATEMENTS ( * BOTH CAN NOT BE CORRECT ) Other Credits were from merchants for {$340.00} XX/XX/XXXX Returned Items refunded by merchants days after purchase was made These appear a new charge. a second time XX/XX/XXXX I reported the XXXX new purchase charges XX/XX/XXXX unauthorized There are NO USAA {$470.00} CREDITS in XX/XX/XXXX ( see statement ) or any months following Kindly Note the XX/XX/XXXX Credit Card Fraud Claim date XX/XX/XXXX {$470.00} USAA says the CREDITS WERE APPLIED AT BEGINNING OF FRAUD INVESTIGATION. which is XX/XX/XXXX Why are there No USAA Adjustment Purchases/temp credits or USAA permanet Credits XX/XX/XXXX or XXXX XXXX? No Temporary ones or permanet XXXX, XXXX none yet XX/XX/XXXX I reported unauthorized charges XX/XX/XXXX of {$810.00} ALL XX/XX/XXXX CHARGES APPEARRED FOR THE SECOND TIME even returned items Kindly Note Fraud Reported XX/XX/XXXX NO RESOLVE. ( USAA letter dated XX/XX/XXXX TOOK 2 years TO INVESTIGATE FRAUD and Investigation not in my favor. XX/XX/XXXX all fraud charges are credit reversals when no credit given WHY DID IT TAKE USAA A YEAR TO BE AWARE OF FRAUD? WHY HAS IT NOT BEEN RESOLVED YET? after 2 years why put back on card as new purchases Please explain in detail paperwork How USAA temporary vs permanet credits policy works on statements HOW IS MEMBER ABLE TO VIEW ( ON STATEMENTS ) what temporary credits have been made permanet Please also explain ADJUSTMENT PURCHASES when do they actually apply to my account to be able to decide there are in fact TWO CREDITS APPLIED TO BALANCE to allow all the credit reversals. If temporary credits do not apply then THERE WERE NO TWO CREDITS ONLY ONE CREDIT PER PURCHASE XX/XX/XXXX There are {$2600.00} Other Credits ONLY {$910.00} APPLIED STATEMENT XX/XX/XXXX STATES TOTAL CREDITS APPLIED {$910.00} USAA EXPECTS ME TO BELIEVE ALL {$2.00}, XXXX CREDITS APPLIED AGAINST BALANCE I SAY SHOW ME MATHMATICALLY WHEN EACH WAS APPLIED OFF MY BALANCE ALL OF THE USAA CREDITS TURN INTO NEW CHARGES THE ( VERY SAME DAY OF CREDIT ) YOU CAN NOT TAKE BACK WHAT WAS NOT APPILED GIVEN OFF BALANCE OR IS STATEMENT XX/XX/XXXX FALSE IN SAYING TOTAL CREDITS THIS PERIOD {$910.00} DOES TOTAL MEAN TOTAL? Or What?????
Consumer complaint received 2018-02-19
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: Exeter Finance, LLC. (PA)

On XX/XX/2017 I never gave permission to that company to check my XXXX XXXX, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (VA)

Was told on XX/XX/XXXX that my remaining balance was {$790.00} + tax. I missed one payment, but two other subsequent payments were made. It is now XX/XX/XXXX and I asked what my final balance to pay off was, and was told it was around {$760.00} ( could not copy because the agent closed the chat before I could ; agent name is XXXX ). They failed to tell me why my balance has not changed and where my money is going. I have chat logs to verify this initial balance. 

I literally just want to pay this remaining balance and get them the XXXX out of my life. Apparently, it costs me stress and an additional $ XXXX EVEN AFTER I'VE BEEN PAYING SINCE XX/XX/XXXX FOR NO XXXX REASON!!! I'VE MISSED XXXX    XXXX PAYMENT. 

HERE is the kicker. It's been less than a month and they reported it to COLLECTIONS. YES, FOR XXXX XXXX PAYMENT THAT IS LESS THAN A MONTH OVERDUE. XXXX NEEDS TO BE DISMANTLED AND PENALIZED.
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I contacted XXXX to verify this account that is being reported on my credit report. My first letter was dated XX/XX/2021, in which case, I requested verification in the form of any signature bearing document against this account. At the beginning of XXXX, I received a response from them touting a letter from Capital One giving them authority to collect and a couple months of standard company account statements. I then responded with a letter on the XX/XX/XXXX, asking again for some hard evidence linking me to this account. I have no knowledge and think that there was Fraud under my name. I then received another letter from XXXX XXXX XXXX saying that they weren't going to reimvestigate a dispute that had already been completed. I guess some standard account statements that can be photo chopped, clipped, and hacked is their standard for verification. I have attached my letters along with their responses.
Consumer complaint received 2021-10-27
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. (TN)

This is a formal complaint against XXXX, XXXX and Transunion. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, they have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-11-29
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 (NY)

Capital One is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX, and XXXX  are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.
Consumer complaint received 2018-02-19
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 attached the letters below concerning this dispute. I am sending you this dispute as an internal dispute and an affidavit. I am only allowing XXXX hours for this investigation to take place and following a response on behalf of your companies. I am distressed. It has been 180 days and you have not responded with any verification of original contract documents. This will be the last and final item I will attempt to send out any letters to make you aware that we will be in court sooner than later. I have attached all the documents. I have recorded all the documents, phone calls, and certified letters Ive sent over to your companies on file so when we appear in court I will be more than estatic to show the judge.
Consumer complaint received 2018-02-19
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)

I have attached the letters below concerning this dispute. I am sending you this dispute as an internal dispute and an affidavit. I am only allowing XXXX hours for this investigation to take place and following a response on behalf of your companies. I am distressed. It has been 180 days and you have not responded with any verification of original contract documents. This will be the last and final item I will attempt to send out any letters to make you aware that we will be in court sooner than later. I have attached all the documents. I have recorded all the documents, phone calls, and certified letters Ive sent over to your companies on file so when we appear in court I will be more than estatic to show the judge.
Consumer complaint received 2018-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MA)

As of XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX to obtain a receipt for each payment I've made to them regarding my debt with XXXX XXXX. This account was settled with my final payment of [ {$180.00} ] being made on XX/XX/XXXX. 

The payments I made to XXXX XXXX XXXX XXXX, were done by phone and while they recently sent me an account settlement letter, indicating that my debt with XXXX XXXX is settled, when I asked the representative for receipts for the payments I've made to XXXX XXXX XXXX XXXX, he told me that he could not do that. 

I explained that I didn't receive receipts for my payments to XXXX XXXX XXXX XXXX, but only the few accounts letters he acknowledged that were sent, but which only indicated my account balance and my final payment to XXXX XXXX XXXX XXXX. 

The most recent letter I received from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, also shows a Total Balance Due of [ {$94.00} ], despite the fact that my account was settled on XX/XX/XXXX, and while it was explained to me that amount reflected a remaining so-called " savings balance '' after agreeing to their settlement offer, the way it appears in this statement from them, could easily be misconstrued as indicating that I still owe an outstanding balance. 

In light of this fact as well as the fact that I've never received receipts from XXXX XXXX XXXX XXXX, I implored the representative from XXXX XXXX XXXX XXXX that I'm entitled to a receipt of payment for each transaction I made to them and that, specifically, this is what I was requesting, to which he continued to assert that XXXX XXXX XXXX XXXX had issued, when in fact, I have NOT received any receipt for any of the payments I've made to XXXX XXXX XXXX XXXX. 

I know, by law, I am entitled to a receipt for any transaction I make, and before my XXXX XXXX debt was sold to XXXX XXXX XXXX XXXX, it was being managed by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, of whom always provided a receipt of payment to me, along with a confirmation number, for every payment I made to them as collection on the debt I originally owed to XXXX XXXX. Even before my XXXX XXXX XXXX XXXX account was sent to their own collection department, XXXX XXXX itself, also always provided me with a receipt of payment for every payment I made. 

To date XXXX XXXX XXXX XXXX is refusing to provide me with receipts for the payments I made to settle my outstanding debt with XXXX XXXX. This is why I am now reaching out to the CFPB, because I need help ascertaining this information I am legally entitled to, from XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-31
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. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted 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. Please delete the items as soon as possible.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (NC)

In XX/XX/XXXX I opened a credit card with Pentagon Federal Credit Union. I do a lot of business with them. In XXXX I sent them a copy of my military orders for the year to activate my XXXX benefits. While I was waiting for them to correct my interest rates they reported me as missing a payment. I complained to them and was told it would be corrected and it never was. In XXXX it recently happened again. Although I sent them a copy of my orders they still haven't activated my XXXX benefits and they having me down as being 30 days late on my payment twice now. This is negatively affecting my security clearance and my finances as my family and I are trying to relocate. As a XXXX veteran I expect more from a military credit union. I've called and emailed and haven't been able to get this corrected so now I'm completing this complaint.
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Center Inc (CO)

I have a medical debt on my credit report for a service i never received. I went to emergency room but was looked at and let go after 15 minutes and now i have a collection company selling it to a law firm saying that i am in default of the visit. Please assist in helping me to get them to stop attempting to collect a debt that is not owed as i never received any service.
Consumer complaint received 2023-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX was told during the downturn if I paid 3 months in advance, I would be approved for a XXXX  by Wells Fargo. I made the payment, roughly {$3300.00} to cover XXXX XXXX. They forclosed on XXXX XXXX, XXXX after scamming me of my {$3300.00}. The address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX