davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AL)

Is there a way to get money back if your scam by the company 's that you were supplying a card machine for your business to be able to accept payments. and they did some thing where i only got some of the payments deposited it to my bank and most of the payments they would process normal on my end but never be deposited fully into my account. some customers have admitted to me that they would make there payment using there card and it would show processing for a few days than it would go away and they would never being charged for the transactions. The company use and changed name on me a few times, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  but on the irs form XXXX XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX The only name person I can recall is a XXXX XXXX and the guy who signed me up in the beginning XXXX XXXX. and not to leave out they filed a claim on my credit for a billing of improper charging of fees that they continue to take out of my account that i had to close because when the bank would block them from charging me they would use other thermal and charge a different amount so it would go threw. my contact info is : XXXX XXXX XXXX BUSINESS NAME : XXXX XXXX XXXX
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XX/XX/XXXX I had two collections accounts report on my credit for the same debt that I settled with the original creditor. On XX/XX/XXXX I requested proper validation of the debt including " What is the money you say I owe you for. Explain and show me how you calculated what you say I owe. Provide me with copies of any documents that show I agreed to pay. Provide any verification or copy of any judgment if applicable. 
Identify the original creditor. Prove the Statute of Limitations has not expired on this account. Show me that you are licensed to collect in my state and provide me with your license number and registered Agent ''. Upon receiving this letter Portfolio only partially validated my debt as you will see in the documents provided. On XX/XX/XXXX I sent a second letter once again requesting proper validation only to be provided with the same documents sent the first time. I do not owe this debt and do not know where it originated. Not only that it is reporting on to my credit as two separate debts with separate account numbers.
Consumer complaint received 2018-07-28
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. (MA)

Applied for a car loan and was given an interest rate of 20 %. Experian report can not provide a FICO report. All my auto loans and student loan was paid on time an never late. I must be provided a FICO score for auto loan Dispute # XXXX
Consumer complaint received 2021-02-28
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)

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-08-25
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. (MD)

XXXX XXXX account was removed from my credit report in XXXX of 2020, and reappeared in XX/XX/2020. It showed 30 days late back in XXXX when I called to find out what was going on they advised I called to close the account. Ive never contacted XXXX  XXXX to close the account, that was the first line. I was unable to view the account online to even make a payment. The access was restricted. They sent me information to review my information to verify if this account is mine. I was locked out of my account for months, received no statements had no idea what was going on with the account. I finally was able to get access to account in XXXX after months of no assistance. I was denied access to my account, they removed the account from my credit report and added it back closed with a 30 day late that was originally XXXX they updated it to XXXX once in the beginning of XXXX before the payment was even due and towards XX/XX/XXXX. The reporting is inaccurate. The account has been closed since XXXX yet it was just updated this month XXXX as being closed. So XXXX XXXX reported my account being opened for months when it never was opened.
Consumer complaint received 2022-04-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent a letter ( Attached ) to Experian on XX/XX/22 in accordance with FCRA 611 ( a ) ( 7 ). According to USPS signed receipt letter a XXXX XXXX of Experian received and signed for the letter on XX/XX/22 ( Attached ). According to FCRA, Experian has 15 days to provide a " Description of Procedure '' used to conclude their investigation or the record must be permanently deleted. As of XX/XX/22, I have not received a response nor as a letter been initiated according to XXXX, a representative at Experian whom I spoke to on XX/XX/22.
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IN)

Hello, This is a formal complaint about the crypto currency exchange that is Coinbase. Coinbase has locked me out of my account and done nothing in the slightest to help me resolve my issue in the last month except for templated emails and useless responses. On XX/XX/XXXX I locked my account due to an accident concerning the changing of my dual authentication for the website. 
I then emailed coinbase support to unlock my account while giving them the necessary details. They responded to me fairly quickly the next day saying they have passed it on to specialists and will get back to me within 4-5 days. 9 days then pass and I make another support ticket only to be merged with the first ticket I created, saying that they would get back to me within another 4-5 days. I have since emailed them three times every few days asking for assistance or updates, to which nothing happens. I am almost positive I have never been into contact with a real human and am just receiving automated messages. It has now been almost a month and coinbase is illegally holding my money and refusing to cooperate with me, as well as thousands of others. I hope that this can be resolved in a timely manner, thank you.
Consumer complaint received 2021-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (TX)

I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. Here are the unauthorized inquiries in question : 1. XXXX  XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 3. XXXX XXXX AUTO FIN Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 5. XXXX XXXX XXXX Banks- non specific Inquiry date : XX/XX/XXXX 2020
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CA)

I had a 2 years old account for car insurance. After first Months, the insurance company dropped me saying they couldnt honor the insurance for corporate vehicles and then they cancelled my insurance. Your company has committed multiple violations and mistakes in my credit reports. Craine & Weiner Company, Inc has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 
Account information below : Date Opened : XX/XX/XXXX. Balance : {$120.00} Original creditor : XXXX  I have made my research and your company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Canceling insurance Negligence Unfair business practices Re-aging account Defamation of character Because all the damages and violations that I have suffered, I deserve to get this account removed from my records. This is my demand. I give you a deadline of 30 days ( until XX/XX/XXXX ) to delete the account from my reports.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX and Im submitting this complaint for myself and there is no third party involved. I am XXXX years old and I am trying to better my life by getting credit cards and buying a car and getting a job. I want to be a self-sufficient adult and now I have to suffer because someone else stole my identity. This has been hindering me for too long and Im XXXX  over it! I am writing to delete the following information off of my file. The items I need deleted are listed in the report. I asked that the items be deleted to correct my credit report because I am a victim of identity report and have no knowledge of the negative impacting items. I reported the theft of my identity to the federal trade commission and I have also enclosed copies of the federal trade commission 's identity theft affidavit. Having these incorrect items on my credit report is hindering me from becoming successful in buying a house and purchasing a new car. Please delete these items as soon as possible.
Consumer complaint received 2021-10-22
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. (TX)

I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. Here are the unauthorized inquiries in question : 1. XXXX XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 3. XXXX XXXX AUTO FIN Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 4. XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX 5. XXXX XXXX XXXX Banks- non specific Inquiry date : XX/XX/XXXX 2020
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX is illegally reporting information without my expressly written consent or appropriate notification. 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ) requires that any institution that must provide written notification of furnishing any negative information to the credit bureaus. I have no records of any written notification made in the appropriate timeframe. 

If XXXX XXXX is unable to provide proof of timely written notification, I demand that any and all negative information ( I.e. late payments ) to my credit report be removed.
Consumer complaint received 2021-10-22
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: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on SYNCBXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX for over a year. The dispute keeps coming back verified when it's not. I have reached out to the creditor and asked for the original documents saying I owe the debt and they have yet to furnish it. On XX/XX/23 I faxed a letter saying to provide me with documents and proof of delivery, but instead of providing me what I asked for they mailed me a letter about another account that's not even with them. Not only are they refusing to mail me documentation, but they are also refusing to talk to me over the phone to correct the issue. The creditor also has changed the status of the account and the date of the last activity when there has been no activity.
Consumer complaint received 2021-12-08
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: Experian Information Solutions Inc. (DE)

XXXX XXXX XXXX was notified throughout the year 2021 in regards to inaccurate reporting to the bureaus. As a consumer who suffered from XXXX in 2021 and was protected under ( " XXXX XXXX '' ) XXXX XXXX. XXXX XXXX XXXX was supposed to responsibility investigate and take proper action to determine if they made good faith efforts to investigate disputes. Whereas, this company did not. In XXXX, the consumer 's account was reported as 30 days late. Where payments were made and arrangements were requested due to XXXX. XXXX 2021 " XXXX XXXX XXXX '' reported the account as 30 days late again. Then 60 days late in XXXX and reflected as current in XXXX 2021. The discrepancies continued, where XXXX reflected 30 days late and XXXX 2021 as 60 days late. Then current in XXXX and back to 30 days late in XXXX 2021 and 60 days late in XXXX. Finally, with noticing the discrepancies and lack of support and good faith reporting during XXXX XXXX. XXXX XXXX XXXX was notified on XXXX XXXX, 2021 regarding suffering from XXXX personally in XXXX and attempting to recover. Whereas the correspondent stated to send a letter in via FAX to further explain that I had XXXX after providing account and identity information as requested regarding the account. Awaiting relief " Good Will '' letters and " Negative Item Reporting '' disputes were sent off to the bureaus on XXXX XXXX, 2021, and again on XXXX XXXX, 2021. It was XXXX XXXX XXXX due diligence to investigate this account with good faith. Concluding, reporting more discrepancies with the account as follows being reported as current to negative all in XXXX.
Consumer complaint received 2021-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

I was sent a collection letter by PlusFour collection agency. I was given 30 days to respond in a dispute letter requesting proof of validation. I sent the letter via priority us mail wuth a signature required to verify the letter was received. My dispute letter was refused to the postman by Plus Four collection agency and returned to me. I have a copy of the receipt and a picture of the refusal by the tracking number. I assume this is a tactic they are using to say I didn't respond in a 30 day period so they can put this derogatory collection on my credit report. I believe this to be an illegal tactic. Pleae investigate. The account number they opened on me is XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NV. XXXX XXXX. My email is XXXX and my phone number is XXXX.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

Hello - I applied for the American Express XXXX XXXX XXXX on XX/XX/XXXX. At the time, I was in the process of purchasing a XXXX flight on the XXXX website when the offer for a {$200.00} credit + XXXX miles promotional welcome bonus appeared on the check out screen contingent on an approved application for the XXXX AmEx card. 

I fly XXXX frequently and have a few trips coming up where this could be useful so I decided to apply and was approved immediately. The terms and conditions during my application process ( attached ) indicated this offer was " not available to applicants who have or have had this or previous versions of this card ''. As this was my first time having or even applying for any version of the XXXX AmEx card, I had no reason to believe this offer did not apply to me, nor was I told at any point during the application process. I have one AmEx card which I opened in XXXX. It is the AmEx 'Everyday ' card, which is completely unrelated to the XXXX XXXX of AmEx cards. The terms and conditions specified the offer was only contingent on not having any current or previous versions of the XXXX card. 

After receiving my card, in order to get the bonus, I had to spend {$2000.00} and make a XXXX purchase with it. Both of which I have since done within the 3 month timeframe specified. When I did not see the miles or credit appear on my account, I decided to contact AmEx. I initially called in and the representative told me there was no clear reason I was denied the welcome bonus and opened a case for me ( XXXX ). After which, I contacted the chat support function and after a lot of back and forth ( screenshots attached ), the rep informed me that I was denied the bonus because my AmEx XXXX ' card from XXXX had an APR offer and my general history and number of cards with AmEx? However, this was only my second AmEx card ever, and I've never done a balance transfer nor have I ever been late on a payment. 

No where in the advertised promo offer did it indicate an unrelated credit card I have from 5 years ago would disqualify me from receiving this bonus, nor was I ever outright told. I had to seek out AmEx in order for them to inform me of this. 

I applied for this card, had my credit pulled and spent $ XXXX on this card in the belief that I would be receiving the welcome offer which initially led me to apply. I believe this is a case of bait and switch, where I was arbitrarily and wrongfully denied what was initially promised.
Consumer complaint received 2021-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (AZ)

I have received a letter claiming to be a debt verification letter from Nationwide recovery systems , Ltd on behalf of XXXX XXXX XXXX XXXX, XXXX. The letter is just a bill and doesn't prove anything. I need them to validate the debt according to the Federal Fair Debt Collection Practices Act ( FDCPA ). On top of that, this is the 2nd time XXXX XXXX XXXX XXXX has tried to come after me on this allege debt as per compliant ID XXXX. This is harassment and violates the Federal Fair Debt Collection Practices Act ( FDCPA ).