davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXXXXXX 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 2020-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

The attached document details that the merchant ; s shipment was delivered open & damaged, confirmed by the USPS. Neither the merchant - XXXX  - nor Capital One will issue a credit. The details describe the fraud by both of these parties.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

I submitted a complaint for the account on my report for the amount of {$5500.00} from XXXX XXXX they are reporting information on my report that is inaccurate, the date of XX/XX/2017 is not correct! It was resolved previously by removing the avoiding but then placed back on my report. Please immediately remove this account from my report in accordance with the fcra!
Consumer complaint received 2023-02-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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. (CA)

In accordance with the fair credit report act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX XXXX # off account XXXX amount {$6700.00} date opened XX/XX/XXXX Account : XXXX XXXX XXXX # of account XXXX amount {$5200.00} date opened XX/XX/XXXX Account : XXXX XXXX # of account XXXX date opened XX/XX/XXXX 15 U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 it states a customer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no customer reporting agency may make any report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has responsible cause to believe that this information is inaccurate.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-06
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. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$17000.00}
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX SYXXXX 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 XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (CA)

This debt collector called and asked if I was the correct person they were speaking to. They had my name correct but after she asked me to verify my birthdate and social they said I wasnt the person they were looking for. I am not sure what is going on or what to do and would like clarity on how they have my name and phone number
Consumer complaint received 2022-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ragan & Ragan, PC (NJ)

RAGAN & RAGAN , PC fraudulent practices with intent to cause harm are harassing me for an alleged debt that was not even validated. They are giving a false representation or implication that he or she is an attorney or that the communication is from an attorney. They are trying to coerce me to believe I am obligated to pay them when I have no contractual agreement with XXXX & XXXX. As I did not give them consent to communicate with me or for them to posses my nonpublic personal information in which is a violation that they have it and is identify theft under the FCRA & Title 18 CRIMES
Consumer complaint received 2020-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX student account number is XXXX refuse to remove a old student loan from 33 years ago off all 3 of my credit reports and I'm on XXXX they supposed to be removed anyway by law they say it takes 3 years to wait while I'm on XXXX to discharge the loan and it has been 3 years
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NJ)

On XX/XX/2021, I opened up an account with Coinbase. The next day I purchased XXXX  coins, totaling {$5000.00}. Only thing I had to provide was an e-mail address and confirm the computer. Coinbase allowed me to purchase coins immediately and drafted from my banks immediately as well. Also, I deposited an additional {$5000.00} into cash. Within a few days later I deposited another {$10000.00}. Never had to show them any other proof, Driver 's License, etc. 

A few days later go by, and somehow I am locked out of my account. not allowing me back in. I tried many times to reset passwords, etc. Coinbase even came back and e-mailed stating that there is another {$10000.00} in the account. The account is still active, the company will not allow me in, even after multiple times of proving my identity. I even have the XXXX authenticator that changes the digit code every 30 seconds. Changed all my passwords and verified with XXXX XXXX that my SIM card has not been hacked. Ran a virus check and followed all the steps. 

I have provided them photo ID 's and reset my password and even have a 2 Factor authentication set up. There have been a string of e-mails back and forth, and it appears that these are automated responses. Now I am locked out of my account without any recourse, as I have heard that once you are locked out, you could be in this cycle of opening and closing cases. 

I have attached the sequence of e-mails showing exactly all the communications, from set up to deposits, to purchases, etc. I removed the e-mail address and names as per your instructions. 

They rejected my account recovery, only to make me start over again. 

Please help me on this as I feel that the {$20000.00} is now gone. A US company based out of California in where I am in the dark. Thank you.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2020 at approximately XXXX XXXX. I opened an E-mail from the XXXX XXXX that monitors my credit score through Trans Union and XXXX. The report showed that my credit score had dropped 4 points. It states " Between XX/XX/2020 and XX/XX/2020, your XXXX XXXX XXXX credit card balance decreased by {$12.00} from {$12.00} to {$0.00}. '' I contacted the XXXX Credit card company on XX/XX/2020 at approximately XXXX XXXXand I was told that my card is in good standing, and that there were no errors in reporting on their end and that my balance has been paid in full and it currently is at {$0.00}. 

Basically Trans Union is showing that my balance of {$12.00} was paid on time and now the balance is {$0.00}. I have a {$3000.00} limit on my card. {$12.00} was charged to my card and the balance was paid on time and in full and as a result my credit score dropped 4 points. This is XXXX.! 

An on-time payment according to these XXXX is a negative factor. 

This is an ongoing issue with trans Union. They are constantly reporting false information. I am tired of disputing these issues with this company only to have them not fix their mistakes.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

Disputed a bankruptcy that was on my credit report. XXXX could not verify, so XXXX deleted from my credit report. XXXX  and Experian has not deleted this inaccurate, outdated information that is unverifiable. They only sent me a electronic admission stating it was verified, not wet signature verified, no info verified with the courthouse in which it was showing on my credit report, the court house said they specifically will not and do not share information to 3rd parties, or to any parties. I ask for this bankruptcy to be deleted from XXXX  and Experian. Started the dispute XX/XX/XXXX.
Consumer complaint received 2020-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

XX/XX/XXXX I called Ocwen to start taking auto payment from my bank account # XXXX, for my mortgage payments. Before hanging up, the rep said ' We see where you have a negative balance in escrow, we divided by 12 months and came up with {$490.00} and added it to your {$680.00} modification payment. You new payment in XX/XX/XXXX is now {$1100.00} '. At the time, I was on an approved modification and my payments were approved for {$680.00}. I had only been on the modification for two months and was current with my payments, when they changed my payment without notifying me first and then tried to take the {$1100.00} instead of the {$680.00} without my knowledge or approval. I informed the agent at the time, I could not afford the amount of {$1100.00} because I am on a fixed income and my social security income was only {$1100.00} and a discontinued pension of {$640.00} until I reach the age for full pension, which is why I signed up for the modification to begin with. He told me to try it for a year and then ended the call without any further assistance. I tried sending a payment of {$710.00} in, which would have covered my approved modification payment but the y sent my payment back and I do have paperwork that they sent me, showing where I sent in my payment and they refused the payment and sent it back. It has been a nightmare from there and I have been fighting to keep my home ever since then. I have been turned upside down with my payments, at this point. My payments of {$680.00} where being sent to my escrow and the {$700.00} for XX/XX/XXXX was returned along with several other payments, with them stating I had to pay {$3000.00} overage first, before they would accept my approved modification amount. Since XXXX, Ocwen has changed the {$1100.00} payment to smaller amounts of {$600.00}, {$740.00}, etc., but still refuses to accept actual payment from me for the smaller amounts. Now when I put in for a modification, they are all being denied. I have a sale date of XXXX and is frantic with trying to save my home of XXXX years.
Consumer complaint received 2020-05-11
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. (IL)

XXXX added a statement to my student loan, that I was in deferment and affected by the natural disaster - COVID-19. They removed the statement though I am in forbearance until XXXX. This caused a 42 point loss to my credit score.
Consumer complaint received 2023-02-06
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)

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX Open/closed Closed Status Charge off Past due amount XXXX Fraudulent Account : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX Open/closed Closed Status Charge off Past due amount XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date ofinquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiryXXXX XXXX XXXX Date of inquiry XXXX XXXX
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Utah System of Higher Education (NY)

It appears that XXXX, my student loan provider has reported my current loan status to credit bureaus. I noticed my credit score dropped for no reason. The only thing I believe could have impacted my score is utilizing the CARES Act and going into an emergency forbearance. However, based on Cares Act sect. 3513 loan servicers are supposed to report suspended payments to credit bureaus as if the payments have been made and NOT use any type of forbearance or deferment code. I believe some of the servicers are not reporting correctly. On XX/XX/XXXX my XXXX  score dropped by 14 points even though my balance for my student loan had dropped. After filing an investigation with XXXX  it appears that XXXX is reporting to the credit bureau that my repayment status is in forbearance. This goes against Cares Act sect. 3513 : ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current ; or and ( d ) REPORTING TO CONSUMER REPORTING AGENCIES.During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. 

Forbearance is typically a derogatory mark on ones credit report but since this is a special forbearance it shouldn't be counted as such per the above section of the CARES Act.

According to the Cares Act sect. 3513 loan servicers are supposed to report suspended payments to credit bureaus as if the payments have been made and NOT use any type of forbearance or deferment code. I believe XXXX  is not reporting correctly. I will be filing disputes with all three credit bureaus as this has had a negative impact on my score when per legislation this should not be the case.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CA)

Credence Resource management has not provided me with any validation to verify how or when this alleged debt was acquired, I have sent them a written notice by USPS-certified mail and a follow-up letter as well. They have not done anything to resolve this matter. Based on consumer laws I've researched I now KNOW I have a right to privacy. 
This company has acquired my personal information without my consent and put a debt on me. To my knowledge, I have no contract with this company or the original creditor, so I am confused as to why they are damaging my credit. 

I am aware of my rights as a consumer and this company is in serious violation. 
The account is as follows on my credit report. 

Credence Resource management XXXX
Consumer complaint received 2020-05-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (IL)

Around XX/XX/XXXX, I called CitiBank Costco Credit Card to inform them I would not be able to make the Credit Card Payment due on XX/XX/XXXX. I asked for a waive since I was affected by the COVID-19 pandemic. Instead she went on and on about how they are not offering any relief for the month of XXXX to any customers. I told her I wanted to be put on my file so I do not get chanced any fees or have it reported to my credit report on missed payments. Instead the customer rep went on an unprofessional rant stating " she does not also pay her CC in full ''. I asked again that I needed relief and she again told me there was nothing she can do or offer. 
A week later CitiCard Locked my CC for the missed payment, so I had no access to money although I still have a considerable credit limit on the card. Then on XX/XX/XXXX they charged my a {$40.00} late payment fee. It is unethical that CC companies like CitiGroup are charging fee during a pandemic and economic shut down, especially when I tried to inform them days ahead of time about the inability to make that month 's {$300.00} payment.