davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (DC)

This morning, I received an alert of a new collection account added to my credit report by this company. At no time was I notified, in writing or otherwise, of any attempts to collect a debt nor did I receive an opportunity to review, validate or dispute the validity of this debt by company. 

I request Convergent validate the following information immediately or remove any trace of this account from my credit reports : Full original account number Date original account was opened Any written agreements between myself and creditor stating this debt is owed Full account summary and itemized calculation of alleged debt Date of first delinquency Dates and times of any phone calls made and letters mailed in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving these communications were made as governed by FDCPA law Phone number and address they have on record to correspond with the demand above
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act U S DEPT OF ED/XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NY)

I wired the money to Coinbase on XX/XX/XXXX XXXX and on XX/XX/XXXX XXXX it never reached my account I called the company and sent emails as well my bank tried to catch them without success just on XX/XX/XXXX they only wired me XXXX and i still waiting
Consumer complaint received 2023-04-04
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. (FL)

By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too. 

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 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 immediately. 

XXXX XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX Charge-off {$74000.00} XXXX XXXX XXXX XXXX XXXX  XXXX Charge-off {$6700.00} XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  XXXX {$0.00} XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX  | XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX XXXX {$0.00} XXXX | XX/XX/XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (DE)

I lost my job back in XXXX after the birth of my son and tried to file with Navy Federal about involuntary job loss. They asked for proof which I provided to the best of my ability. They asked for government assistance proof but I didnt file for one since Ive been an XXXX  XXXX since XXXX. Navy federal and their third party XXXX XXXX  said that my assistance insurance ( which Ive been paying every time I make my payments since XXXX when I got the credit card ) has been denied because it only applies to people who are employed and not people like me who are self employed. So then I asked why I was not told that I dont qualify for it since the beginning since I wouldnt accept paying for a service I know well wont benefit me incase of unavoidable circumstances and also why Im not getting a full refund? They couldnt answer my question and make big deals out of nothing giving me an analogy about car insurance which didnt make sense at al. Since then when I call Navy federal, they send me to XXXX XXXX  and when I try talking about to XXXX XXXX, they send me to Navy federal and its immensely agitating. I want to add that I had to provide proof before getting the credit card that I was self employed that is an XXXX  XXXX and a 1099 which at that point they would have disclosed that I dont qualify hence avoid paying for insurance.
Consumer complaint received 2022-04-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I volunteered to send the vehicle back to capital, i was never served or notified from capital one that they were selling the vehicle. i asked on several occasions for proof notice for a year and i still have not gotten a reply. i also sent certified letters.
Consumer complaint received 2020-07-12
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. (TX)

they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.. 


all ftc errors
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc. (CA)

On XX/XX/XXXX I contacted XXXX XXXX XXXX via text message, and by telephone ( cancellation department ) to request a cancellation of services. I requested that they send my the buyout amount, so that the account could be closed immediately. I was sent a cancellation agreement on XX/XX/XXXX from XXXX to complete via XXXX, and this was completed and returned. On XX/XX/XXXX I reached out to XXXX  cancellation department after being sent from department to department, and spoke with representative XXXX, who informed that the amount that I needed to pay to close the account was {$130.00}, and she indicated that they would be providing a 20 % discount, as I informed that I was not working at the time. I inquired why I continued to receive so many different payoff amounts from XXXX and was transferred to XXXX ( cancellation department ) who then informed that the amount that needed to be paid was {$140.00} ( which was supposed to be 20 % less that {$170.00} ) another different amount from the last representative, letters, and emails from XXXX. I was informed that this payoff amount would be documented in the account to avoid further notices and phone calls from XXXX, and agreed to go to their portal following the phone call to pay {$140.00}. However, when I went to the portal to pay the final amount it indicated that they amount due was {$130.00}, which I paid ( confirmation # XXXX ). A month passed and then the phone calls to both myself and my husband continued numerous times a day, along with letters. On XX/XX/XXXX, after the continued phone calls and letters, I reached out to XXXX  via text message and requested that they stop contacting me as I had already paid off the amount that they told me to pay to close the account on XX/XX/XXXX. I was told to contact the cancellation department again, and refused to, due to the numerous attempts and confusion that I had already dealt with. During the past 10 months we have received several letters from XXXX acknowledging the request for cancellation, as well as numerous offers to return at a lower amount, which is equally frustrating, since we have been making payments to XXXX since XXXX of XXXX. My husband and I received a phone call from " XXXX '' collection agency today requesting that I provide him with the reference number that he provided, along with the cancellation letter, the amount paid ( which he already was aware of ) and the last 4 digits of the card used to pay the {$130.00}. I am skeptical of providing this collection company with any information, outside of what was provided to them from XXXX.
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MI)

Experian has a multiplicity of programs designed to assist in credit monitoring and credit repair. They provide regular credit score information if requested. The problem is that none of them provide consistent information and they also provide contrary information to creditors unbeknownst to the consumer of their credit management product. This seems to constitute a form of fraud. 
I recently became aware that there are three different experian credit scores associated with my social security number and a different score that was being provided to a creditor.
Consumer complaint received 2022-10-14
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. (NY)

In accordance with the federal credit 's bureau act, this creditor has violated my rights under 15 USC section 602 states I have the rights to privacy. 15 USC 1681 section 604A section 2, it also states that consumer agency can not furnish my account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX  Account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Account number XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2019-10-26
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. (TX)

I sent three letters to Transunion, XXXX and XXXX with the third letter being sent on XX/XX/2019 without receiving a response from either bureau and it has now been well over 30 days it has been fifty days to be exact I requested that all three bureaus correct the inaccurate information on my credit report which they still have not done as of todays date. I also requested original contracts and signatures which I never received,
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

Hello, I am writing as a follow-up to my recent complaint # XXXX and # XXXX against Citibank , N.A . 
I feel that my case was unfairly closed. 
Citi claimed to have sent me a refund check number XXXX of {$1700.00} mailed on XX/XX/2021. I received it on XX/XX/2021 and deposited it to my bank account the next day. However, the bank informed me today that the check has bounced and charged me a fee.
Consumer complaint received 2019-10-26
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received a statement from Capital One for a charge on XX/XX/2019 that I did not make. This was while we were on vacation for 10 days from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX, XXXX, in the XXXX. The charge was for {$620.00}. It would have been for dinner, and there would have been a signature. I checked this charge to see what it was for. The company, XXXX, run a restaurant XXXX XXXX XXXX, XXXX. We did not eat there. I have another charge for that same night from a restaurant that we did eat at, invoice attached, at XXXX 's XXXX XXXX for {$210.00}. I called the island to see if XXXX had any other restaurants under another name in their company that we may have eaten dinner at, they do not. I called Capital One to contest this fraudulent charge. They looked into it and said it was not fraudulent solely because it was a chip credit card, that was their only reason. I advised them that all the businesses on this island all still collect signatures for their charges, and to please supply the signature for this fraudulent charge. They declined to request the signature and said I would have to pay it. I paid off my Capital One balance, less this charge and cancelled my account of 30 years with Capital One. I feel that this company is very over confident in the anti fraud properties of the " chipped '' credit card they offer and I am being taken advantage of by Capital One.
Consumer complaint received 2019-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

I purchased tickets through XXXX post to a XXXX user XXXX XXXX email address XXXX. The transaction took place on XX/XX/XXXX at XXXX. I used my XXXX account that was linked to Zelle. I sent {$130.00} for 3 tickets. The seller has since vanished. XXXX XXXX has said they will not offer fraud protection on this bank backed payment app.
Consumer complaint received 2019-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I am enrolled in PSLF program and FedLoan has miscalculation and overestimated the number of payments that I need to make in order to be granted loan forgiveness. I called over 10+ times to FedLoans to have them re-count my payments and update my payoff date. After 2+ years and a CFPB complaint later, they finally re-counted by payments and the count is still off. I have called them again to recount my number of payments but again they say it will take several months to years. My payoff date should be XX/XX/2022. Your assistance is much appreciated. The customer service reps are not helpful. Nothing ever changes no matter how many times I call. I know the correct date because I had them mail me all of my payment paperwork and prior pay off dates listed 3-4 years ago were correct.
Consumer complaint received 2024-02-07
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

Jefferson Capital System has not validated a {$810.00} debt from XXXX XXXX XXXX ( the original credit ), from an account that is more than 7 years old. 

Next the company decided to falsely report the debt as originating in XXXX of 2023. 

I would like to the debt removed from my credit report and for my validation request to be completed.
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MO)

LVNG FundingXXXX XXXX has continually harassed me through calls & emails. When I tried to negotiate with them they would not negotiate. They keep saying they are threatening to sue me. They have sent me emails saying I have never gotten back to them when I absolutely have.
Consumer complaint received 2022-04-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I XXXX XXXX have previous opened a dispute with Equifax in regards to fraudulent account and inquiries on my credit report I have sent them several documents over the course of the last month and they have yet to remove the accounts inquiries from my credit report despite me sending in documentation a dispute was opened on XX/XX/XXXX and closed in XXXX but the account fair collections and outsourcing is still reporting despite me sending a ftc report several times them the inquirie XXXX XXXX  is stil on my report despite me sending in the documents I have tried to open a another dispute with Equifax the are no longer cooperating nor will let me dispute the only account and inquirie I have on my credit report
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In accordance with the 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 : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 that the information is inaccurate.
Consumer complaint received 2018-02-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX a supv. with the Special Handling Fraud Dept. with Transunion Credit Reporting told me that not one of the 3 certified sent complaints or any of the cfpb  complaints they have not received or seen I'm now demanding they Remove All FRAUD ALERTS from the credit file of the XXXX XXXX XXXX file and also Dispute these Inquiries as Fraudulent and VALIDATE them as anyone could have submitted these credit apps. In my giving name XXXX XX/XX/16, XXXX XXXX, XXXX XXXX-2/5/16 Also remove any personal statements on this file and all FRAUD alerts as Transunion was not able to generate any qiestions for me to VALIDATE sho I Was so he said to write a letter I have done that and still nothing has been done they were sent 3 certified mailings still nothing has been done add XXXX XXXX XXXX XXXX Loma XXXX California XXXX to my file as another address
Consumer complaint received 2021-11-09
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. (FL)

You are reporting the following collections with a past due amount. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 

- XXXX  - XXXX XXXX XXXX
Consumer complaint received 2019-10-26
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX