davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. 

Chapter XXXX Bankruptcy XXXX This account is not mine. I WENT TO THE COURT FOR VERIFICATION OF INFORMATION they have posted on my report. 

This account was not verified in court. VERIFICATION means COFIRMING SOMETHING TO BE TRUE. THE ACCOUNT YOU HAVE BEEN LISTED ON MY REPORT WAS NOT VERIFIED. According to FCRA it is clear violation. 
They must remove this account Immediately. 
Please see attach a copy of letter from the Court.
Consumer complaint received 2023-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (AL)

Kia Motors finance shows my account as 69 days past due. I have been making constant reoccurring payments toward a past due balance on the account since XXXX. Last month I paid over XXXX dollars in a 30 day period. Kia is not applying these payments to the oldest past due therefore it shows that I havent made a payment since XX/XX/XXXX on their website. I spoke with a rep via phone today. They do not acknowledge these payments and are still saying I am 69 days past due. They said I need to pay the full past due soon or Ill get repoed. I only owe a remaining XXXX dollars I should only be 39 days past due. I have made arrangements to pay the remaining balance which includes the current not past due balance of XXXX dollars. The woman on the phone from Kia threatened repo. She was XXXX and I could barely understand her due to the noise in her call center and she could barely speak XXXX. I have an autistic son that Ive been paying out of pocket for therapy on. He must have the therapy. My insurance only recently began paying for his therapies due to my getting a new job. Kia motor finance was told this via communications on XXXX messenger yet they arent willing to help me out by acknowledging the XXXX dollars in payments since last month. I paid XXXX dollars in XXXX as well. I need help because they are showing me delinquent. I cant lose this car, its the car that gets my son the therapy. Ive been their customer since 2020. Delinquent means you havent made a payment. The account cant be last due since XXXX because Ive made payments since XXXX. Over XXXX dollars in payments. Please help. 

To be clear the account says the last payment was made on XX/XX/XXXX. I am proving screen shots of this and screenshots showing debits from my account.
Consumer complaint received 2022-12-15
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Consumer complaint received 2021-04-16
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: Carvana Group, LLC (TX)

Contacted Carvana on or approximately XX/XX/2021. Explained that I had an open case with the XXXX County Sherrif 's Office in regards to someone using my personal information for identify fraud. Explained that I saw a hard inquiry from Carvana on my XXXX credit report and wanted to learn more at that time. I was told by that Carvana representative that they could not tell me anything over the phone and I would have to email XXXX and provide them with the case number. I emailed that email the same day and provided the Sherrif 's office number, the case number, and my contact information as well.

I called back Carvana XX/XX/XXXX, as I had not received any sort of communication. The Carvana representative asked me for a VIN for the car. I stated I didn't know what she was talking about and that I wasn't provided any information last time I called. She stated Carvana should have provided me with a VIN to attach in the email I sent. This VIN is for the car the person attempted to purchase with my information. I then emailed XXXX the same day and provided the VIN. They said I should definitely hear back by XX/XX/XXXX. 

I contacted Carvana on XX/XX/XXXX, and explained to the representative XXXX XXXX or XXXX XXXX of the ongoing issue and lack of contact. I explained that the XXXX County Sherriff assigned to my case was also have difficulty getting ahold of a human when attempting to call. I was placed on hold and when she came back on the line she stated " unfortunately there is nobody available to answer your questions. We don't have a fraud department. You will just have to wait until someone responds to the email '' I explained I had already been waiting and I did not believe anyone would reply to me. I asked to speak to a supervisor. 

After being placed on hold I then spoke to someone named " XXXX '' who claimed to be a supervisor. He stated going through email was incorrect and that I would have to send a physical letter to their Underwriting Office in Arizona if I wanted to learn anything else. I asked if Carvana could just provide relevant documents to the Sherrif 's office. He stated " I can't go over anything over the phone ''. I asked if Carvana kept any security footage so it could possibly be used to identify who was using my information. He said " I can't go over anything over the phone ''. I stated I felt like Carvana was intentionally obstructing an open investigation by refusing to even contact the police. XXXX sighed and said to write a letter, quickly said the address before I could write it down and hung up on me.
Consumer complaint received 2023-05-13
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. (MA)

In accordance with the Fair Credit Reporting Act ... ...... 

XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (PA)

I have not used my XXXX XXXX  credit card so did not monitor it or have auto pay set up. I was fraudulently charged and disputed and the Citi agreed and removed the charge after a few months. Yet because I did not pay because I did not realize the fraud happened until my credit was dinged for late payment my credit shows late payments. Although the fraud was removed the late payment XXXX and XXXX remains on the account. Since no payments were required except for fraudulent charges that have since been removed these late payment should also be removed.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (MA)

I opened a Coinbase account on XX/XX/2021 and they were offering a {$5.00} bonus ( to be credited in Bitcoin ) for verified new accounts. I completed the steps and received confirmation emails from Coinbase, including the statement " Your ID has been verified Your {$5.00} Bitcoin reward is on its way. In the mean time, you can add a payment method and start investing. '' I did start investing and funded the account, initially with {$150.00} and have since added more, and purchased cryptocurrencies on the platform. Coinbase has not delivered the promised bonus.

I contacted Coinbase support and received a series of redundant, " templated '' messages, that say : " As previously mentioned to you, here are some possible reasons you didn't receive your {$5.00} in BTC : -You need to complete full ID verification. Go to https : //www.coinbase.com/settings/account-levels and make sure youve achieved the top level of verification ( all green checkmarks ) -Your account didn't meet our compliance-related criteria ( duplicate and fake accounts are ineligible for this reward ) Once you meet the requirements above, you should be eligible to receive BTC rewards. '' I have confirmed that all three levels of my account verification show as completed ( all green checkmarks ) and this is the only Coinbase account I have ever even attempted to open ; it isn't a duplicate or anything of that nature. I've replied with that information to Coinbase and asked that they advise what about my account might not be meeting their criteria so we can get it sorted out, but I simply get these canned responses back with no actual information and, it seems, no one actually looking into it.

The same offer is still running and other users are complaining about this and other types of bonuses being offered by Coinbase but not delivered ( for example, XXXX XXXX XXXX and XXXX XXXX XXXX ). 

I realize that {$5.00} ( or about {$6.00} in value from XX/XX/XXXX to today due to the rising price of Bitcoin ) isn't a large amount and am more concerned that Coinbase seems to be scamming many customers, perhaps millions, by offering bonuses and not consistently paying them. At best, they appear to be hiding behind their own buggy AI system as if they do not have control or responsibility for it, all the while continuing to promise the bonus even while it's not being paid to many people who qualify. 

Thank you for looking into this issue of false advertising and fulfillment of bonuses promised by this financial platform, on behalf of all the users being scammed by it.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (DE)

I am filing this complaint to dispute an inaccurately reported charge-off account associated with WELLS FARGO CARD SERVICES Account Number XXXX on my XXXX credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

XXXX XXXX XXXX, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity XXXX constitute an unfair and deceptive practice in violation of the XXXX XXXX, 12 U.S.C. XXXX.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NJ)

I Was Charged, Without My Permission, {$110.00} On Three Separate Dates, For Computer Software. The Company Is XXXX XXXX  The Fraudulent Charges Were Put On My TD Bank Visa/Signature Credit Card Ending In XXXX. The Dates Are : XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. The Total Amount Is {$350.00}. I Called The Company On XX/XX/XXXX And XX/XX/XXXX. They Told Me That I Was Not Charged Three Times. My Statements Indicate That I Was. ( I Will Be Sending Copies Of My Statements In The Mail ).
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (GA)

My wife and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on XXXX and Experian credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

My wife and I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my wife and me from XXXX XXXX XXXXXXXX XXXX XXXX. I told them we sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.
Consumer complaint received 2023-06-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: City Enterprises, LLC (TN)

On XX/XX/2023 XXXX XXXX made an attempt to make an unauthorized charge from my XXXX XXXX  account by trying to charge my now discontinued debit card ending in XXXX {$350.00} for a payment for my car loan. This is a card I used XXXXne time on XX/XX/2023 to make a payment also in the amount of XXXX. The card is not even saved on my XXXX XXXX account because I rarely use it. Unless it's an emergency. On XX/XX/2023 around XXXX I made a call to XXXX to inquire why they had tried to charge me with out my permission and if I was set up on reoccurring bill pay. I was in fact not set up for reoccurring payments or scheduled payments at anytime. The gentleman on the phone couldn't answer why they would attempt to charge me with out my permission and told me a supervisor would be calling me back. On XX/XX/XXXX I sent an email to XXXX XXXX customer service asking again for answers. I only recieved the generic response of " The email below has been added to the requested account and the account representative has been notified ''. On XX/XX/XXXX I sent another email requesting all communication be in writing. On XX/XX/2023, XX/XX/XXXX and XX/XX/2023 I had not received any reply or answers except for the same generic email as before and emails with the following quoted text from A XXXXXXXX XXXX representative. " Based on your silence and neglect, I am reviewing this account for additional action. Your attention and cooperation are needed immediately. Please be aware that your account is delinquent and is being reported to the credit bureau as such ''. I have not been silent or neglected. I have reached out. I have been ignored and neglected. I want to know why they tried to make an unauthorized charge to my debit card.
Consumer complaint received 2023-01-18
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. (AZ)

I have sent multiple letters to the credit agencies informing them to remove the collection from my report since I does not belong to me. I called XXXX XXXX  and they even confirmed they never had me in their systems.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-23
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. (MO)

There was a fraudulent bank account and credit card opened in my name at XXXX XXXX XXXXXXXX. The debt on these is several XXXX dollars. I made a police report. I froze my accounts and my credit. I called XXXX XXXX XXXXXXXX easily 50 times over a matter of months after it happened in, I believe, late XXXX. Then in XXXX when I was trying to buy a house I found out it was still on my report. So I went through the process again. I disupted the report on every single credit reporting agency. I filled out a report for fraud and to the Attorney General. I sent all the information I had to credit bureaus and the fraud form I filled out. I mailed requests through usps to the credit bureaus and to XXXX XXXX XXXXXXXX. I have done everything I possibly can to get this taken care. Last resort is getting a lawyer which I really don't want to do. XXXX XXXX XXXXXXXX told me they verified the account was fraud but yet they refuse to close the report and remove it from my credit.
Consumer complaint received 2021-01-19
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. (TX)

XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX is reporting an item on my credit report that is not mine. I have attached the following notices sent to XXXX, XXXX  and Transunion with regard to this item. I have also sent notice to XXXX XXXX XXXX XXXX and requested that the item they are reporting in my credit file is not mine. I am attaching the notices sent under Section 609 FCRA which REQUIRES XXXX XXXX XXXX XXXX or XXXX XXXX XXXX to provide specific documents under Section 609 FCRA and as of this complaint date XXXX XXXX XXXX XXXX or XXXX XXXX XXXX has not complied with Section 609 FCRA. Additionally I submitted a fraudulent account notice to XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, however they continue to erroneously report this item on my credit report. My complaint against XXXX XXXX and Transunion is that although being noticed under Section 609 FCRA, Collectively XXXX XXXX and Transunion are not requiring as part of their investigation XXXX XXXX XXXX XXXX or XXXX XXXX XXXX  to comply with Section 609 FCRA. All of the above named parties are in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. I am asking for the CFPB to investigate my complaints and take the appropriate action under Section 609 FCRA. I am attaching a notice by the FTC regarding a lawsuit filed against XXXX for the exact same type of violations under Section 609 FCRA.
Consumer complaint received 2023-04-05
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)

With respect to XXXX  XXXX : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. I am writing this today insisting to delete the following unauthorized information below in my file. These accounts being reported are fraudulent. I never gave this company written consent to report anything on my credit report nor did I give this company written consent to have access to my consumer report at all. No consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 ) Cc : CFPB 1700 G st NW , Washington , DC 20552 FTC XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX Attn General XXXX XXXX, XXXX XXXX XXXX XXXX XXXX pa XXXX
Consumer complaint received 2023-02-23
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.