davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 negative account 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CT)

I Used to have XXXX XXXX and was a client for over 15 years and had gotten a replacement sent and I sent back broken item was told 4 months later that they received box with no phone I went back and forth with them and told them that made no sense that they should track phone they told me they could not help so I told them would leave as they did not help so I cancel services and they kept a line open another issue I sent back the XXXX I had just purchased and told them mail me out final bill so I can pay months later they send bill and added both phones know they said they never received XXXX XXXX back again I had tracking info but they would not budge back.Well this pass XXXX I received a job offer after months I took over they had to do a credit check and come to know a company had put me in collections without my knowledge never received letter to calls letting me know I try to reach out and left messages and no response company name was SOUTHWEST CREDIT SYSTEMS I have the phones tracking numbers I have never had a collections account and pay all my bills
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

On XX/XX/2023 they restricted my account, I can see my balance, but I can not send or receive or operate with my cryptocurrencies. After contacting them numerous times through the support chat, they ask me for documentation to verify my account and thus remove the block. On XX/XX/XXXX, I received and sent the requested documentation, all of which requested " Please provide one of the following documents : Payslip issued within the last 3 months Letter from your Human Resources department confirming your employment Provide the source/origin of funds deposited into your Coinbase account. 



Please provide one of the following documents : Loan agreement or statement Statement from other exchanges Screenshot of transactions from an unhosted wallet In addition to the above, please provide one bank statement, issued within the last four months.

Provide the primary source ( s ) through which your overall wealth/net worth was generated.

Examples : Employment, gambling, gifting, investments, inheritance, or life insurance Please provide one of the following documents : Payslip Brokerage / investment statement Home sale document Probate or conveyancing document Copy of Will, Grant of Probate, Gift Letter, etc. 

If your source of wealth originated from investing in crypto or other investments, please provide additional supporting documentation showing the initial investments resulting in your wealth. 

For example, statements from a crypto exchange or broker-dealer which confirms your investment portfolio and they don't give any response. '' after insisting again and again in the chat they sent me another email on XXXX they asked me for more documentation they wrote me this : '' XXXX XXXX XXXX, Thanks for the information you provided. Unfortunately, it doesn't meet our requirements, so we'll need some additional information to finish reviewing your account. 

Please upload the following documents to our secure Coinbase SendSafely portal using the link provided below. 

Please provide a payslip for theBrintza s.l company. 

Please confirm, how much crypto do you expect to trade per year? e.g : {$10000.00} - {$99000.00} " which sent the documentation and I responded to what was requested. It is XX/XX/XXXX and I have not received a response from Coinbase, nor have they removed the blocking of my account. I have all the conversations with the chat recorded without giving me solutions, other than asking me for patience and I haven't been able to access my savings for 7 months, as I need them to face some important expenses.
Consumer complaint received 2023-04-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Allied Recovery Solutions, Inc. (VA)

I have received multiple letters from a company called ALLIED Recovery Solutions Incorporated. They claimed I was involved in a automobile accident on XXXX XX/XX/2022. This is untrue as I was not involved in any accident on that date. They said that I am liable for the damage to the vehicle. In one of the letters it claims that I did not carry liability insurance on the date of the loss. This untrue as I have always kept my insurance up to date. I have ignored the correspondence thus far, but am concerned as I was not involved in any vehicle accident on or around this date.
Consumer complaint received 2023-11-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AP)

Ulta Beauty Credit Card was at XXXX balance prior to statement date. On the date of statement an " interest fee '' was charged to the XXXX balance. When I asked for them to send me an email explaining the legality of adding interest to a XXXX balance they stated they could not do it however it was a legal valid charge. I asked for the fee to be removed and for them to send me an email stating that it was removed and there would be no further interest added to the account as it was a XXXX balance again. The representative then stated Ulta beauty would not do that as they do not put this information in writing. They did remove the fee.
Consumer complaint received 2022-12-12
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. (NJ)

I have received an email from Experian to tell me that I have a negative impact on my credit report upon checking my report I found that XXXX XXXX reporting that Im late more than one month for my monthly payment. 
Accordingly I called XXXXXXXX XXXX and they informed me that it was a mistake from the administration team and it shouldnt been reported and they will try to fix it with the credit report. 
I complain today because this such mistake caused me lost 58 points from my score and my goal to achieve above 700 credit score was destroyed for such mistake and now I will never be able to being approved to get a conventional mortgage in order to be able to buy any apartment in New Jersey especially I got denied for over than 20 times to buy because my current mortgage is FHA loan which is declined by most sellers in NEW JERSEY. 
Please note that the credit bureaus are taking so long time when they add a positive impact on credit profile and they are very fast for negative ones. 
I have been fighting hard in the last year to buy a place to live with my family and I cant because the FHA loan that is being declined by most sellers either individual sellers or companies.
Consumer complaint received 2023-01-03
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. (NJ)

In XX/XX/2021 I noticed unauthorized items on my credit report. I contacted all three credit reporting agencies who have not been able to assist in removing the negative items being reported without permissible purpose. ( 15 USC 1681b ) They are furnishing information which were not initiated by me, hence reporting false information ( 15 USC 1681b ( c ) ( 1 ) ( a ) ( b ) ( 1 ) ( 3 ) have not given any written instruction to anyone to put on my consumer report. My right to privacy is being ignored by Experian, XXXX, XXXX and creditors. These false consumer reports has affected me adversely and I feel as if my character is being defamed.
Consumer complaint received 2023-08-09
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. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2021-06-10
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. (MO)

There are 3 accounts that are reporting on my consumer report that are in violation and this is a Violation of my Consumer Rights as a Federally Protected Consumer. Because of these violations, I demand that all 3 of these accounts be removed/deleted from my consumer reports. I Called Experian, XXXX, and XXXX XX/XX/2021 and all 3 bureaus said that there is no such law and they dont have to remove anything. I explained My Consumer Rights and the laws they are in violation of but I am not being taken seriously.
Consumer complaint received 2023-04-05
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. (MD)

I sent via certified mail two rounds of letters to Experian on XX/XX/23 and XX/XX/23 and the accounts listed below still remain on my credit report and have not been fully validated. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX, I sent a letter by certified mail to Barclays Bank Delaware regarding an account on my credit reports from XXXX, XXXX, and XXXX, claiming that I owed Barclays money on an account that has been closed and written off since XX/XX/XXXX. I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have proof of delivery of my letter to Barclays on XX/XX/XXXX at XXXX. Barclays is required by law to respond to my dispute within 30 days of receipt. On XX/XX/XXXX, 31 days from the day Barclays received my letter, I had not received a response from them. On XX/XX/XXXX, I sent another letter by certified mail to Barclays, giving them another goodwill attempt to respond to my dispute regarding the claim on my credit reports that I owed them money. I have proof of delivery of my 2nd letter to Barclays on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, which is 31 days from the day Barclays received my letter, I still did not receive a response from them. This is two times that I have contacted Barclays and they have failed to provide me with any proof or validation that the debt they claim I owe is valid. There has been no data reported to any of the three main credit agencies from Barclays regarding this account they claim I owe money on since XXXX, XXXX. Since I have sent them two letters of dispute, Barclays has now reported to all three credit agencies on XX/XX/XXXX that I am 30 Days Past Due Payment. This has made my credit score drop at least 8 points. Not only have they not been reporting any data for 2 and a half years, but they also did not reply to either of my disputes, nor did they send me a bill in the mail. Barclays has my current address because it was listed on both letters I sent. Along with reporting that I am 30 Days Past Due Payment, there is also a comment on both XX/XX/XXXX and XX/XX/XXXXcredit reports from Barclays that Completed investigation of FCRA dispute consumer disagrees. The disputes can not be complete when Barclays never replied to them. This company never furnished any proof or validation that I owe this debt they claim I owe.
Consumer complaint received 2023-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

We've had Wells Fargo as our mortgage company for many years. In the beginning, we had money in escrow for our taxes. We had our mortgage go up every year and they kept saying it was the taxes going up. We refinanced maybe 15-20 years ago with them and found out that they paid our taxes at the end of the year, which made us incurre the late penalty. I told them this was not right to do since money was in escrow. They said this was their practice to do so. We refinanced and had them take out the taxes so we would pay them early. Our mortgage rate never went up because of taxes again. Was there any recourse for them to pay us back all those late fees on our taxes? As soon as we received the tax bill we mailed it in to them the next day or so.
Consumer complaint received 2020-12-05
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

I sent my first correspondence which was the attached letter to Toyota Motors certified on XX/XX/20. In that letter I was requesting them to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. Per tracking they received the correspondence on XX/XX/XXXX, at XXXX. I received a correspondence back from Toyota company with an identity theft affidavit to fill out. However, I did not say I was a victim of identity theft. I requested for the company to provide legal documents that are required to be sent when a car has been repossessed such as all the documents for the bill of sale ( post sale ). Since they did not provide me with the requested information, and instead sent a identity theft alfadavit I sent them another letter ( which I attached ) on XX/XX/20 advising that I did not say I was a victim of identity theft. I requested for your company to provide legal documents that are required to be sent when a car has been repossessed such as all the documents for the bill of sale ( post sale ). If you can not provide me with all the documents, I am legally entitled to then delete this item from my credit report as you are violating my rights under the FCRA. 



I have still yet to receive the requested information that I am entitled to by law. This company is attempting to use stall tactics such as an identity theft affidavit when I never alleged my identity is stolen. I am requesting : Under the laws of XX/XX/20 and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Since this company obviously does not have such information, I am requesting this be deleted from my credit report as it is violating my FCRA rights as a consumer.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF BIRTH : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dispute of Unauthorized Credit Inquiries.

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Best regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-15
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. (TX)

I, XXXX XXXX, am a natural person, and American citizen. Experian continues to violate my federally protected consumer rights. I am sick and tired of their blatant disregard for the law. Do you need to start the motion for a CLASS ACTION LAW SUIT?? Because I am certain they violated the privacy & confidentiality rights to millions of others. I sent them a letter on XX/XX/22 explaining to them that they were deliberately violating my federally protected right to privacy AND confidentiality under 15 USC 1681. They responded with a generic letter completely ignoring their violations, stating " verified ''. I never asked for anything to be verified! I already know they can't verify these accounts, I was letting them know that are in direct violation of the FCRA. I feel like I am being taken advantage of and my rights are being ignored! THIS COMPANY NEEDS TO BE HELD ACCOUNTABLE! Delete these accounts immediately! I will attach the letter I sent, the tracking number, and their completely unethical response in a pathetic attempt that I will go away. I will NOT!

1. Account Name : XXXX XXXX  Account Number : 9793**** 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.