davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

my credit profile that is on this consumer credit report still contains misrepresentations, after numerous attempts at asking them cordially to correct my consumer credit report information. 
I also ask that all inquiries be deleted from my credit report as it is proof of a consumer privacy violation, be removed from my report. 
there is an collections account that just made its way on to my consumer credit ( my reputation ) and it is damaging my livilihood. I have been denied credit already because of the fraudulent negative information on my Equifax consumer credit report. 
Equifax has also infringed on my right to consumer privacy by publishing information that it has sourced from other sources and graded me on the things they have found. 

the collection account on my Equifax report goes by the name of XXXX XXXX XXXX, apparently there is a open balance of XXXX, which is another violation of my consumer privacy. pursuant to the United St

ates Code. I have sent 4 letters to Eq
uifax this is the final letter that I am sending. Should the corporation not understand that is has willingingly and knowingly violated my rights and compensate me accordingly I will have to make the attorney general aware of their fraudulent practices and help them pursue criminal liability pursuant to 15 USC 1611.
Consumer complaint received 2023-01-27
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)

The unverified accounts indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these accounts shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
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. (TN)

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX 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 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (WI)

I paid off my car loan with Hyundai Motor Finance on-line on XX/XX/XXXX. I have received the clear title and the balance on their website shows zero, however they have failed to submit the payment information to the credit bureaus so it continues to show up on my credit report. I have called at least three if not four times asking that it be taken care of. As of today ( XX/XX/XXXX ) it is still on the credit report and today the customer service representative hung up on me when I started to ask why it had not been taken care of. I have also filed a dispute with XXXX.
Consumer complaint received 2022-08-02
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 Credit Reporting Act XXXX XXXX XXXX. with no account number has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting angency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

In XXXX of XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to Equifax, XXXX, and XXXX  but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

Issue Statement : In XXXX of this year, 2021, I filled out a support ticket requesting that Coinbase move my XXXX bitcoin from my vault into my account as I was unable to do so. I made this request as I was unable to identify the second approval email, thus making the vault inoperative and the content unavailable to me. 
On XX/XX/2021, Coinbase stated that they had successfully performed a transaction to move my bitcoin from my Coinbase vault into my account.

( XXXX and XXXX ) The referenced accompanying emails clearly state that Coinbase had successfully transferred the bitcoin from the vault to my account, making them available to me for further action on my part. 
However, since XX/XX/XXXX, when this transaction allegedly occurred, the bitcoin has not appeared in my account, and my account is listed as having XXXX bitcoin. 
The bitcoin was sent to an address which is not associated with my account, and Email-XXXX, states that it was sent to an address " you haven't previously used. '' When I inquired as to the whereabouts of the bitcoin, I was told to supply the Hash ID for this transaction. 
( EMAIL-XXXX ) I responded that since I did not perform the transaction, I had no record of the transaction or its Hash ID. 
The case was then closed without any explanation, and I was informed to open another ticket if desired ( EMAIL-XXXX ). 
On XX/XX/XXXX, I filled out another support ticket asking Coinbase to open another case and assist in tracking down my missing bitcoin. 
I received an email ( XXXX ), strongly intimating that I had made an inappropriate transaction and thus had lost my bitcoin through my own incompetence. 
Since the bitcoin is missing as a direct result of Coinbase staff action, I believe that Coinbase should restore the bitcoin that I previously had that appears to have been lost by their staff.

The accompanying emails include some lengthy header information, in case, their true origin may need to be tracked. 
Thank you for any assistance you can provide.
Consumer complaint received 2022-08-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P.S.C., Inc (WA)

I was notified by a creditor on XXXX of XXXX that I had a collection on my credit report. I had no knowledge of any such collection and did not even know who to contact. All I knew was that it was for some medical service in XXXX. I have had no contact from either my insurance at the time or from the people the original bill came from. I have had no mail, no phone calls, nothing from anybody. 
On XXXX is was sent a collection letter notifying me that I owed Thousands of dollars plus an ongoing interest charge. 
I was not even given a chance to pay for this bill, if it is even mine. PSC Inc. has marked my credit and started charging me Hundreds of dollars in interest before I even knew I had a bill. 
How can someone pay a bill they don't even know they have?
Consumer complaint received 2022-08-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00}
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (GA)

Ive tried to get this company to correct these issues back in XXXX of 2022 Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Consumer complaint received 2022-10-22
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: EQUIFAX, INC. (NC)

I provided a identify theft report and police report almost 4 times now to Equifax on inquiries that I did not create or consent to. They are not affiliated with any account that I began using after this date of each individual inquiry that was provided to them specifically for those inquiries as listed on the identity theft report. 

Equifax refuses to remove those inquiries provided to them months ago - that I once again, did not create or consent to. 

Equifax needs obey the law and remove these inquiries immediately as provided to them in the government documents.
Consumer complaint received 2022-08-02
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NC)

I received a letter in the mail claiming I owed a debt to this company, I sent a letter back and gave them 30 days to respond as they gave me 30 days to respond I sent a letter and have not heard anything back and more than 30 days have passed, this should not end up on my credit and the debt collector should cease all contact and attempt to collect this debt.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (UT)

I was offered a credit card with Barclays XXXX XXXX 's credit card to do a balance transfer with a 0 % introductory offer. I used this offer to pay off a different credit card from XXXX XXXX. The transaction amount was for {$10000.00} with a fee of {$410.00}. 

The transfer was done on XX/XX/XXXX from Barclays to XXXX XXXX. Today is XX/XX/XXXX, and XXXX XXXX has still not received the transfer. 

I have called and emailed Barclay 's several times about this issue. They keep telling me that the payment was sent, but has not been cashed. XXXX XXXX has not received the payment to cash the check. 

On my statement from Barclay 's it says that they sent the check to XXXX. I do not have an account with XXXX. I have asked Barclays to provide proof that they payment was sent. They refused. I have asked for a picture of the canceled check. They refused. I have asked them to confirm what address the check was sent to. They don't know. They have offered no help any time I have contacted them. They are now asking me for payment. 

I have asked Barclays to just cancel the check at this point, and close my account. They are refusing to do both. 

I really need some help for what to do. The balance transfer never happened. What proof do you need from me?
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IL)

I received a large refund to my Apple Card ( issued by Goldman Sachs ). I requested a refund of this money on XX/XX/XXXX, but was told to wait till the end of the month ( greater than the 7 days allowed for a credit balance ). I reached out on XX/XX/XXXX as this did not occur. I understand however that this is due me having a parallel balance ( an installment balance that is applied on a monthly basis on my account, but Goldman reflects the total installment balance as what is owed to XXXX to the credit agencies, and my available credit is reduced by this amount ). Apple/Goldman offer no way to apply my credit balance towards this installment balance and offered to keep the credit balance on my card for as many months as it takes to pay down my installment balance. I requested a refund to do so myself given this inability and was told this was not possible.
Consumer complaint received 2021-08-03
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: DISCOVER BANK (IL)

The XXXX XXXX XXXX XXXX IL charged me {$1500.00} without authorization, will not and have not provided a bill for the {$1500.00}. Also, the {$1500.00} amount does not show as a payment on any of XXXX XXXX XXXX accounting records provide to me. 

I filled a dispute with Discover Card and they investigated it, the XXXX XXXX XXXX did not provide authorization proof or bill showing what the charge was for to Discover Card. Later Discover Card told me over the phone that, I waited to long to file a dispute and they could not get the money back from the vendor so, Discover was not going to cover the cost of repaying me the fraudulent charge. 

The charge occurred on XX/XX/XXXX and I filed the dispute on XX/XX/XXXX. Discover Card validated the XXXX XXXX XXXX fraudulent charge on XX/XX/XXXX, telling me that the XXXX XXXX XXXX had informed them it was a valid charge without providing any proof. 

In addition, Discover Card informed me that I could file a dispute up to 5 years from the charge and I filed 9 month after the charge was made.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Ive tried to get this company to correct these issues back in XXXX of XXXX  Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes. I was able to contact someone but no changes were made so now i'm here hoping to that the CFPB can get me some better results. attached with this complaint is a letter and my identification i have Enclosed to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Consumer complaint received 2021-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDICO. INC (NE)

I was served papers to appear in court on XX/XX/XXXX regarding a request from a company called credico inc to revive a judgement from XX/XX/XXXX, 14 years ago. I have never at any time been contacted by this company or any other company regard this amount they say is owed. I have received no phone calls, no mail, no other attempt to contact me at all. I tried to contact the company but found little to no information about the company online. I attempted to contact the lawyer from the served papers and left a message but ncall back. In the past 14 year and before that I have heard nothing about this dept or from this company. I could not dispute the debt prior to what they say was a judgement in XXXX because I never was contacted or given any information. I have no idea what this debt is for. I have spent the last 12 years working extremely hard to pay off credit card and medical debt so I check my credit report and credit score weekly on 3 different sites, I open and read every peice of mail, and answer phone calls so I am not only aware of what I owe and to whom but also make arrangements with them to pay the debt in full. Had I gotten information from this company or about this debt I would have requested information to very the debt and made arrangements for payment if the debt was proven to be mine. I never got that chance or opportunity over the last 14 years to do any of the things that are my right under the fair debt collections act to do. My information including my phone number and address and employor were never hard to find with a simple search online or my credit report. Every other debt collector I had debts with had no problems contacting me, which made it easy to verify the debt and make arrangements for repayment. I do have debt I am paying off and had paid off debt because unfortunately I am a type XXXX XXXX  and medication and medical help is expensive so I have had debt in the mast but I have made a good faith and legal effort to repay every debt that I owed. Please investigate this matter immediately. I have not been contacted by this company or about this debt at all.
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

I sold a XXXX channel by using a famous trusted escrow service of XXXX. They transferred the payment ( XXXX XXXX ) to my paypal account. The amount has credited in XX/XX/2023 and paypal said that will automatically withdraw to my bank account. Next day they asked to verify my identity and verified using my voter id card. After they reviewed my information they said they permanently blocked my account and my money is in hold for 180 days. They are not specifically saying what is the reason and not giving a chance to solve the issue if I did anything wrong. I contacted them through there message sender and they replied only that they are blocked the account permanently and hold the money for 180 days. I sold the XXXX XXXX  legally then what right paypal have to hold my money?