davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

To who it may concern ; yesterday morning, XXXX XXXX I contacted the Experian Fraud department and disputed multiple information that is fraudulent on my credit file, XXXX of which are my contact information, Name, address etc. and the other of which is a collection that has appeared on my credit file. I have since contacted XXXX and XXXX XXXX XXXX XXXX and am attaching proof that XXXX XXXX XXXX and XXXX have now deemed this as fraud. The letter attached is directly from XXXX XXXX XXXX 's Fraud department. The following is the information needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX Partial account # XXXX Original Creditor XXXX XXXX Please update my credit file to only reflect the following name variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

To whom it may concern, I am writing to dispute 8 late payments currently listed on my credit report. 6 from XXXX XXXX and 2 from XXXX XXXX. According to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( XXXX ) ), consumer reports do not include information solely about transactions between a consumer and the reporting entity. I believe these late payments violate the FCRA, as they concern only my transactions with your company. The presence of these payments on my report is negatively impacting my credit standing. Therefore, I kindly request that you immediately delete these late payments from my credit report. Thank you for your prompt attention to this matter. And accordingly to fcra 15 usc 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. The accounts is question is XXXX  XXXX and XXXX XXXX XXXXXXXX I need both accounts deleted and credit report updated
Consumer complaint received 2021-01-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc. (NJ)

I complained before see XXXX-XXXX. Unfortunately, the situation started up again recently. 

As agreed in my contract, a regularly scheduled payment of {$810.00} ( due XX/XX/XXXX of each month ) was paid on-line on XX/XX/2021 ( {$290.00} Interest and {$510.00} Principal ) I also mailed an additional payment ( a principal-only payment of {$5000.00} that was received by SoFi on XX/XX/2021. Unfortunately, {$29.00} was applied toward Interest and {$4900.00} was applied toward the Principal. 

Why wasn't the entire amount of {$5000.00} applied toward the principal since my regularly scheduled payment of {$810.00} was received and P & I had been applied accordingly? 

I spoke to a representative of SoFi on XX/XX/2021, and was told the correction would be made within 48 hours, but to no avail. Why hasn't the correction been made and it's been more than 48 hours?

Your assistance in this matter would be greatly appreciated. If I had known that SoFi displayed predatory lending practices I would not have used them for a personal loan. 

I am attaching a pic of my on-line account showing the discrepancy as described in the aforementioned.
Consumer complaint received 2018-01-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX for XXXX XXXX credit card. 
1. Charged a late fee of {$37.00} that was more than twice my monthly fee of {$15.00}. Considered illegal in Calif. 
2. Made payment on time difficult to gain late fees : A. Payment sits in P.O. Box until it incurs late fee. 
B. To pay before due date I must use a debit card, but charge {$15.00} fee to use. 
C. Had post office hold my paycheck in order that I incur late fee before can pay. 
3. Statement showed wrong amount, when I called and pointed it out to supervisor, he hung up. No explanation, no call back.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2018-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

My bank account was Levied from an account I have never had. XXXX XXXX The notice was from 2011 this was 7 years ago and not they levied my account. 

According to the Timed Barred Debt with the States Attorney Generals office this is uncollectible. 

I do not owe this debt. 

I never had an account with XXXX XXXX
Consumer complaint received 2018-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

On XX/XX/XXXX, my wife wire transferred {$45000.00} to my Coinbase account. On XX/XX/XXXX, Coinbase sent the following email to me to claim to send my money back : " You recently sent a wire to fund your Coinbase or XXXX account for {$45000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing. 

To prevent wire returns in the future, please ensure wire deposits are sent from a bank account that matches the legal name of your Coinbase or XXXX account. For more information, visit the Bank Wire Deposit section of our payment support page. 

If haven't received your funds after 7 business days, please email XXXX for assistance. '' However, the fund has not been back to my wife 's account after 21 days. I have sent multiple emails to Coinbase 's customer service but did not get any response.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2021-01-21
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. (GA)

The FCRA states that Transunion only has 30 days to get back to me in regards to my complaints again them. It has been over 30 days and in my initial complaint ( CFPB Complaint # XXXX ) they have stated they are going to follow up with me in 60 days. That is against the law. I have consulted my now lawyer and given them all the written proof and their proof written statement that they will no honor their legal duty to remove these illegal items from my report within the 30 days they are legally allowed and their demand to follow up in 60 days which is out of their legal scope of timeframe Fortunately my case was accepted against TransUnion.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX  XXXX Balance : {$20000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (TX)

Hello, I would like to file a complaint against PNC bank Headquarters in XXXX, PA. 
PNC bank did not protect me from the unauthorized transaction even though I informed about it 3 times. Under The Consumer Financial Protection Act of 2010 bank is responible to protect customers from fraud but PNC bank failed. I lost my money for 2 weeks from my checking account. 
On XX/XX/XXXX I noticed on the website XXXX XXXXXXXX XXXX that their agent used my PNC debit card information for an unauthorized transaction without my knowledge. That transaction was a car insurancre renewal. I did not agree to extend the car insurance, I do not have the auto pay option. They used my debit card information from a previous transaction on XX/XX/XXXX transaction ID XXXX. On XX/XX/XXXX at XXXX I contacted PNC customer service via online chat. I informed about an upcoming unauthorized transaction on the checking account and requested that the transaction be blocked. PNC employee informed me that he did not see such a transaction, so I said that it was an ongoing transaction and I provided all information about this transaction : amount of {$750.00} and the name of XXXX XXXX XXXX PNC employee informed me that once the transaction was completed, I could use the dispute option. I told her this is my checking account not credit card therefore I need this money and I won't wait 30 days for dispute transaction. I told her this is fraud transaction and you are responsible to protect my money. She refused to take any action. 
On XX/XX/XXXX I saw a pending transaction XXXX $ on my checking account from XXXX XXXX XXXX. I called to PNC fraud department and told them about this un autorized transaction. I told them that I reported it 3 days ago and PNC did not stop this transaction. I demanded the immediate cancellation of this transaction but PNC employee refused. She told me to dispute transaction and wait 30 days for my money. I I replied that I will report it to the CFPB and XXXX Next day on XX/XX/XXXX I received a call from PNC fraud department. their employee asked for details of this transaction and offered 30 days to dispute the transaction because she doesn't have any option to stop transaction. I called to XXXX XXXX and demand refund immidietly or I will report to FTC. After 2 weeks I recieved my money back XXXX . For 2 weeks I lost the money I needed because PNC bank refused to block the transaction. They did nothing to protect my therefore I want them to pay for that and hold them accountable. 
Transaction details : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$750.00} on checking account XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

Hi my name is XXXX XXXX Im writing this notice because Ive been paying my cards on time I have came across something interesting I'm requesting you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above I have recently reviewed my credit report and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers XXXX XXXX XXXX XXXX account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC $ 1681b, it is evident that there may have been a violation of my consumer rights. 
The law explicitly states : " ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly Accitionally according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subiect to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. In light of this, I kindly request the removal of the late payments from my consumer report, as they may be in violation of 15 USC 1681. Ilook forward to your prompt attention to this matter and a timely resolution.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # 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 2018-01-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I had an insurance loss to my property on XX/XX/2018. XXXX XXXX my insurance provider took sometime in paying the mitigation part of this claim. It has been twenty five days that this company have been paid. I signed a contract with them stating that they would be paid with in five days, which they allowed me two weeks. The payment got to me from XXXX XXXX and I mailed it to my mortgage company. This was to be a non monitored claim. After submitting the two payment to the mortgage company, I asked if they could expedit this so I would not be charged the late fee and the default in payment fee. However later this afternoon I was informed that the amount of the check was over ten thousand dollar that I would have to send in a adjustor report. I would not have a problem with this, but there is not one, and they know this. The adjustor paid off of the contractors report. So now I'm stuck paying the late fee, and default payment. I explain to them that I don't have this type of money and that they need to send the check. She just told me to call back in the morning. WHO is going to pay this amount? I feel that I'm not responsible for this amount.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (SC)

I sent a letter to the XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me the billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my frustration and disappointment regarding the numerous unsuccessful attempts to remove fraudulent items from my credit report. Despite my repeated efforts and providing ample evidence of the fraudulent nature of these items, they persist on my records, significantly impacting my financial standing and credibility. 

I first reported the fraudulent activity on [ date of initial report ] and have since made multiple requests for the removal of these items from my credit report. However, despite providing documentation, including any supporting documents, the fraudulent items remain unresolved. 

The continued presence of these fraudulent entries not only undermines my financial integrity but also creates unnecessary stress and inconvenience as I struggle to rectify an issue that should have been resolved promptly. Furthermore, the persistence of these items suggests a failure on the part of Credit Bureaus to adequately address and investigate my dispute. 

I urge you to prioritize this matter and take immediate action to rectify the situation. Specifically, I request that you : Conduct a thorough review of my dispute and the supporting documentation provided. 
Remove all fraudulent items from my credit report promptly. 
Provide me with written confirmation once the fraudulent items have been successfully removed. 
Implement measures to prevent similar incidents from occurring in the future, including enhancing security protocols and improving the dispute resolution process. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will leave me no choice but to escalate my complaint to higher authorities and explore legal remedies to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file 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 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 XXXX XXXX
Consumer complaint received 2021-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2018-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (NY)

I contacted them and they refuse to validated the debt and they advise me they can not dispute the accuracy. Date reported XX/XX/2018 collection charge off/ last four account number XXXX amount {$5900.00}
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

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 : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX. XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX 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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX. Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX  XXXX # XXXX Account & XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.