davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Inquiries : XXXX XXXXXXXX XX/XX/XXXX Charge Off/Collection : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Personal Information : Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : XXXX XXXX : XXXX  Name : XXXX XXXX XXXX
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XX/XX/2022 my information was used for a credit card inquiry at XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. It was reported to me on my XXXX XXXX XXXX wise report via TransUnion. 
XX/XX/XXXX I called XXXX XXXX XXXX to tell them I did not attempt to open a credit card and to stop this and report it as fraud. I was told the Credit card was canceled and was given a reference number XXXX. 
I created an account on IdentifyTheft.gov and continued to call all three credit agencies to put a freeze on my account. On my first call with TransUnion I had them put a 1 year fraud alert on my account. They told me in order to remove the inquiry from my credit report I would need to get a letter from the FTC and this is what has me here.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

If you refer back to my complain # XXXX you will see that I was experiencing the inability to get into my account for several months. During that period of time I had lost my XXXX  from XXXX in the way of the XXXX coin. When the XXXX  of XXXX was announced back in XX/XX/2019 coinbase assured us that if we held or XXXX with them at the time of the snapshot everything would be automatic through Coinbase. Due to my not being able to access anything in my account I didnt receive my airdrop whiich by my records in my tax documents from coinbase amount to about XXXX.
Consumer complaint received 2021-08-21
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. (GA)

To Whom It May Concern : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days. 

Company Account # XXXX XXXX XXXX I would appreciate you sending me an updated copy of my file as soon as you have completed the investigation. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions I authorized. There are variation of companies name, account numbers are incomplete, variations of balances. XXXX XXXX just continually update when I asked for deletion and not verification even though they have been sued. XXXX has been on my credit report for years refusing to remove themselves they use deceptive practices by using variations of their name to stay on consumer credit report. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX Experian and XXXX XXXX all three agencies have had data breaches. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Consumer complaint received 2022-08-20
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. (TN)

Experian is in violation of the Fair Credit Reporting Act 15 USC 1681. Let me remind you of 15 USC 1681 ( a ) ( XXXX ) ( XXXX ). This company is simply parroting wrong information sent in by another company which has hurt me and my family tremendously. Your company is reporting a XXXX vehicle lease on my consumer report for this information is wrong this was a phone lease. I have applied for a car loan and place to live and have been denied due to your inaccurate reporting. Your company did not do its due diligence while affecting my livelihood. I have attached documents that you you are indeed in clear violation of 15 USC 1681 ( a ) ( XXXX ) and 15 USC 1681s-2 ( a ) ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ) and 15 USC 1681n XXXX a ) ( XXXX ) ( A ). I am unable to move my kids due to this inaccurate information.
Consumer complaint received 2023-04-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Credit acceptance reposed my vehicle when it was totaled ( wrecked ). They picked my car up from the garage where I was trying to get the car fixed. They did not give me an opportunity to wait for my insurance claim even though they did not give me anything towards my car. Now credit acceptance is charging me interest every month on a car I do not have that was totaled but they sold it per Agent I spoke to recently for {$3000.00}. However they have sent me a bill for {$5000.00} to pay them for the car. They are reporting XXXX on my credit report every month and charging interest. The car was only XXXX I believe when I purchased in XXXX. They have rude agents who do not try to give u the information when asked. I wish I never dealt with this loan shark of an auto dealership.I know they will try to Sue because I know many people who they have came after in the long run.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.
Consumer complaint received 2021-12-07
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. (NY)

Since XX/XX/2021 I have been disputing a XXXX account that has been appearing on my TransUnion credit report but received a response that it was verified by XXXXXXXX XXXX. I again disputed the XXXX entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified. I then sent a certified letter to XXXX XXXX disputing the information on my transUnion credit report never receiving a response, I have pointed out to TransUnion all the inaccuracies on my credit report but they continue to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit, high insurance premiums, defamation and negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and XXXX XXXX I will also provide my most recent credit report High lighting all the inaccuracies.
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I made a balance transfer using my Capital One Quicksilver card for the amount of {$700.00} back on XX/XX/2021. Capital One on their part, sent the check for the amount of {$700.00} to a different financial institution ( XXXX XXXX  ) and this financial institution cashed the check even though it didnt belong to any of their accounts because I dont have an account with XXXX XXXX  . Now both, Capital One and XXXX XXXX  are refusing to help me with this problem. I have made multiple attempts to get this problem solved and both banks are refusing to help me.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2024-10-31
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2019-10-23
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. (NC)

I have notified all 3 major credit bureaus about fraudulent accounts reporting on my credit reports and they have yet to send me verification of any investigation they've performed or verification that these accounts belong to me, the following are all of the fraudulent accounts that don't belong to me as follows : 1. XXXX/XXXX/XXXX   ACCT # XXXX**** 2. XXXX XXXX XXXX ACCT # XXXX**** 3.XXXX XXXX ACCT # XXXX**** 4.XXXX XXXX XXXX/ XXXX ACCT # XXXX**** 5. XXXX XXXX XXXX  ACCT # XXXX*** 6.XXXX  XXXX   XXXX ACCT XXXX XXXX**** 7.XXXX/XXXX XXXX ACCT # XXXX**** 8.XXXX/XXXX ACCT # XXXX**** 9. XXXX XXXX XXXX XXXX ACCT # XXXX*** # XXXX**** # XXXX 10. XXXX XXXX XXXX ACCT # XXXX XXXX. XXXX XXXX/XXXX
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I paid my credit card debt down below the recommended 30 % and Trans Union lowered my credit score by XXXX points. All other credit reporting agencies raised my score by more than XXXX points. Contacting Trans Union did no good. I got the same lame explanation in a continuing circle " you still have a balance on three cards ''. My current combined balances are at 24 % down from more than 50 % which should have increased my credit score across the board and it did everywhere except Trans Uniion!
Consumer complaint received 2022-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WV)

My mortgage was sold to BSI who did not recognize my loss mitigation from mortgage solutions. I paid XXXX above my mortgage. In XXXX i paid XXXX and was advised by an agent that if I paid an extra XXXX my loan would be current. I paid XX/XX/XXXX payment prior to the XXXX to avoid late charges and the system showed another XXXX in late fees after being told I was current. The manager said it was late fees that came over from mortgage solutions, which were supposed to be held due to the loss mitigation.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2021 I sent XXXX Now a letter stating that the furniture was paid off and that the item should be taken off of my credit report as being potentially negative. Also a medical bill was reported on my Experian report form XXXX XXXX XXXX XXXX Office and the law is that nay medical bills less than XXXX are not to be reported to the Credit Reports. 

Also my husband had XXXX XXXX and a very serious XXXX XXXX which caused him to have to resign. He can not do any tyoe of work, Nor because of his reading ability can do any office work
Consumer complaint received 2022-04-05
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. (FL)

I have an unauthorized user on my credit that I never authorized. I believe its fraud and Ill like to get it removed. The amount is XXXX and the company name and address is XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-03-31
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. (PA)

In accordance with the Fair Credit Reporting act 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 2022-03-31
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. (AZ)

XXXX and Experian is reporting inaccurate information. Ive sent in documentation, police report and a copy of XXXX to XXXX and experian XXXX and XXXX. And XXXX and Experian will not comply with my demands. XXXX has already removed them already. XXXX is reporting inquiries twice of the same inquiry. Im not suppose to have no inquiries. I havent applied for no credit. XXXX is the only company reporting accurate info. 

XXXX : is reporting Accounts : XXXX XXXX Inquires : All of them inquiries Experian : is reporting XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX needs to be deleted XXXX XXXX XXXX is reporting inaccurate. Company is paid in full must delete.
Consumer complaint received 2021-12-07
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. (MD)

XXXX XXXX XXXX refused to remove acct XXXX Auto Loan there three different amounts on my consumer report And with this chargeoff acct I am unable to apply for anything do to this
Consumer complaint received 2022-07-28
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: Eastern Account Systems of Connecticut, Inc. (OH)

Company reporting to credit reporting companies This account isnt mine. There not able to provide proof of ownership. None of there information is correct. 
XXXX XXXX XXXX  is reporting a account charge off. Ive never had a XXXX XXXX XXXX  card This account appears been opened online none of information matches mine
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$490.00}
Consumer complaint received 2022-10-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fradkin & Weber PA (MD)

Back in 2020 I contacted Fredkin and Weber located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX to arrange a payment plan but unfortunately I didn't get the job and my income was SSI for my disability I owed a little over XXXX now due to interest it's over XXXX I believe that they are adding on outrageous interest to the original judgement amount which is unethical I wasn't able to come to court due to minor being sick and being a single mom I asked for a postponement yet it wasn't it's been a living nightmare dealing with them they've been sued in the past for unethical conduct as well.
Consumer complaint received 2022-07-09
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. (IL)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : ACCOUNT # XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2023-04-07
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. (WA)

I just disputed this account listed below that showed up on my credit report it caused me much anger and disbelief to see this inaccurate and unverifiable information your agency didn't ensure to be remove from my report but instead just update it. By law I own the right to obtain the steps that were taken to verify this account on my report by your agency. 

XXXX XXXX Date opened : XX/XX/XXXX Status : Closed. {$60.00} past due as of XXXX XXXX. 
Status updated : XXXX XXXX Balance : {$470.00}
Consumer complaint received 2021-10-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (UNITED STATES MINOR OUTLYING ISLANDS)

I received an email from paypal telling me that they will closed my account after 180 days. 
" You can't use PayPal anymore. Reference ID : XXXX '' After 180 days the send all my money to their account about XXXX GBP. I feel like they scam me. Please help me get my money back and my account. 
Best Regard