davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
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. (SC)

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on these accounts I have listed in my investigation letter. Also I have attached the letter I sent out. 

According to the FCRA term investigation consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts is still not reporting 100 % accurate. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. it is not fair that these credit bureaus can keep inaccurate information on your credit report without being held accountable.
Consumer complaint received 2022-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Community Health Investment Company, LLC. (OK)

I had a XXXX on XX/XX/XXXX. I filed for divorce in XX/XX/XXXX. It was my understanding that the medical debt was taken care of by my ex husband. I never received a bill and I had no idea that there was a balance to be paid. I would have happily arranged payments with the doctor had I known there was an outstanding balance. I am very angry. I have near perfect credit and this needs to be taken care of.
Consumer complaint received 2022-07-27
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MD)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-07-27
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. (MN)

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 2018-10-31
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: EQUIFAX, INC. (IN)

EQUFAX AGAIN HAS FAILED TO REMOVE A COLLECTION FRAUDULENT ACCOUNT AFTER MORE THAN 93 DAYS, THEY HAVE A DEALWITH AGENCY TO STAY PUT. ALL OTHERS DELETED OVER 78 DAYS AGO. THE COLLECTION ACCOUNT IS XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

A letter of dispute has been initiated on XX/XX/2022 with dispute report number XXXX, to remove personal information that is inaccurate on my credit report. 
According to the Fair Credit Report Act 12 USC 1681. I have a right to privacy. Also, according to 15 USC 6802, No financial Institute is supposed to share my personal information with a third-party entity. 
These are clear violations of my federally protected consumer rights list. 
XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX, XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

Debt validation letter XXXX XX/XX/2021 Name : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Company name : I.C. SYSTEM.INC Collection opened : XXXX XXXX Collection amount : {$780.00} RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the alleged debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Best regard XXXX XXXX :
Consumer complaint received 2017-06-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

I had written this for http : //oag.ca.govXXXX but their capcha only works with IE so I 'll paste it here. It 's about coinbase.com I 've had an account there a little over a year, using it as a bitcoin wallet with mostly no problem. In XXXX 2017 I had 2 transactions where they never actually sent the bitcoin even though their web page indicated everything was completed. I chat with this person regularly and she did n't get her bitcoin, but then she 's also a coinbase customer. I filed a case, waited the specified minimum amount of time. Started looking in their forums and other people were complaining too. So I went to the better business bureau and there were 193 complaints against them. Now I 'm looking into joining a class action lawsuit if I can find one. The dollar amount was only {$80.00} but I 'm retired on Social Security, it 's a significant amount of money to me. The transactions were on X/XX/2017 and X/XX/2017 When I tried to send {$31.00} and it did n't work, I sent {$1.00}, that worked, so I sent {$29.00} which also worked. About a week later I tried to send {$50.00} and it did n't. In my attachment I circled in red the ones that did n't work and in green the ones that did. I do n't have any transaction numbers, etc. for them.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

submitted request to validate accounts and nothing was received in the 30 days time frame nor was I contacted that it would take longer. This includes Equifax, XXXX and XXXX
Consumer complaint received 2022-10-25
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. (CA)

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX  Inquired on XX/XX/2022 ; XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; EDUCATIONAL Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX
Consumer complaint received 2022-07-27
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. (CA)

Although a complaint has been issued previously, I have NOT received method of verification documents as requested from Equifax. They are reporting that I have late payments on the following account : XXXX XXXX which is inaccurate and they have not provided how they verified this information to be true. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (AR)

I filed for a Chapter XXXX Bankruptcy in XX/XX/XXXX to obtain relief from medical bills and credit card debt. My mortgage and car loan with US Bank was included in the case, but I was never more than 30 days late on a payment for either obligation. I completed the attached reaffirmation agreement, which was filed with the courts. I reaffirmed the debt, and the bankruptcy case was closed in or around XX/XX/XXXX. A couple months ago, I discovered that US Bank is not reporting my payment history to the credit bureaus. I contacted them via phone, and advised them that I reaffirmed the debt with the sole purpose to continue making payments and for my payment history to be reported. They advised they would send a letter in the mail. I received a letter in the mail, and the letter essentially stated that since I filed Chapter XXXX, it was US Bank 's decision to discontinue reporting to the credit bureaus. By reaffirming the debt, I resumed my contract with US Bank, so they should be reporting to the credit bureaus for both my mortgage and car note. At this point, neither obligation is even appearing on my credit report at all, and I have no credit score.
Consumer complaint received 2022-04-25
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. (DC)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : there is a claim that i am currently late which is inaccurate.

They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX  acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX XXXX XXXXXXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

2. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Company : XXXX XXXX XXXX  acct # XXXX They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

XXXX XXXX XXXXXXXX claims im 30-59 as of XXXX late this is inaccurate. 

XXXX XXXX claims i am late 60-89 days this is inaccruate They are violating under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I am renting an apt . in XXXX, NC XX/XX/XXXX and was trying to set up my XXXX XXXX Acct for electric but received a letter that they could not approve my service because there was a security freeze on Equifax and that is the only credit reporting service they use. I called Equifax to lift the freeze and was asked at least 10 questions including giving them all my personal information as well as credit card balances which of course I had to look up on line. The final shock was they wanted to know what date I set up the security freeze which I had no idea. I have had my credit frozen for years and lifted it any time I needed to. I know I placed a freeze with Equifax before their hack, as that was how my personal info. was compromised. I had no way to find out the date and Equifax refused to lift my security freeze thus I am unable to rent the apartment. This must be illegal and will cost me dearly financially.
Consumer complaint received 2018-10-30
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (NC)

In XX/XX/2002 I was called by a company stating that they were Greatlakes, ( Greatlakes told me it was not them ), stating that if I paid XXXX dollars that it would be put towards my student loans and paying them of, and from there the loans will go into a forgiveness act that I may go back to school if I needed. I spoke with Greatlakes today and they stated that this was a private company who charged me for paperwork to do what I could do myself which is consolidate my loans. They did not help with the problem, but put me in more debt causing me to pay money that I intended to go directly towards my loan and interests. I don't know what to do from here, but I was given your information stating that you could help me.
Consumer complaint received 2022-08-01
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. (IL)

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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-25
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. (GA)

I am a victim of identity theft and XXXX XXXX XXXX  XXXX is a fraudulent account reporting to my credit. I have attached an FTC report along with utility bill, SSN card and drivers license. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX  XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. XXXX XXXX XXXX  XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX  XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX  XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.