davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On my trans u ion credit report there are inquiries on there that I never authorized to be on there, Ive contacted trans union an notified that it wasnt me and remove the injury, they did not follow the fr a laws that stats this 15 U.S.C. 1681b - U.S. Code - XXXX Title 15. XXXX and XXXX 1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if -- A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if -- XXXX ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



XXXX XXXX BANK XXXX. XXXX. XXXX, 2023 XXXX XXXX XXXX  FINANCE XXXX. XXXX, 2023 XXXX XXXX XXXX. XXXX, 2023 XXXX XXXX XXXX FINANCE XXXX. XXXX, 2023 XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX BANK XXXX. XXXX, 2023
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This account is reporting late reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update the late payments from this account. 
XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance Owed : {$20000.00}
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX I attempted to create an account on Coinbase. To my surprise, I learned my email was already on file. I have zero recollection of opening account, but since anything is possible, I tried to reset the password. It said my URL wasn't recognized, nor was my phone number. My URL hasn't changed in 5 years, and I have had the same phone number for 20 years and the same email since XXXX. 

I attempted to reach the company through customer service, by phone, and by social media. Without account credentials, I can go no further. I ABSOLUTELY have never received an email asking me to verify a Coinbase account, but my brother, a XXXX XXXX, tells me it would be easy for someone to spoof my email to set up an account with their own credentials. 

My concern is fraud. My data was compromised in multiple incidents : XXXX, XXXX, and the XXXX XXXX. I didscovered someone was using/spoofing my phone, which I have FINALLY shut down. Now I want this account closed. Any help in resolving greatly appreciated.
Consumer complaint received 2023-03-30
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Company Name : XXXX, XXXX # XXXX Company Name : XXXXXXXX XXXX XXXXXXXX XXXX. # XXXX Company NAme : XXXX XXXX. # XXXX Company Name : XXXX XXXX XXXX  XXXX # XXXX COmpany NAme : XXXX XXXX XXXX : # XXXX COmpany Name : 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. Also states that a consumer reporting agency can not furnish an 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 2023-03-03
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: Cascade CISS Holdings, LLC (LA)

These are not my inquiries, and need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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)

I have multiple unknown inquiries on my credit report, after discovering I am a victim of identity theft, that have not been removed from my credit report. My credit report was given to multiple collection agencies of the identity theft charges without my consent. In addition the credit agencies still have a separate file under my former name of XXXX XXXX XXXX even after I legally changed it. The credit bureaus have illegally dropped my credit score XXXX points, increased it XXXX points and dropped it again for no reason. The credit bureaus are discriminating against the XXXX community by dropping points like this and making credit slow slower to increase points. This is discriminatory based on XXXX and/or XXXXXXXX XXXX XXXX XXXX. I have been discriminated against by all three credit bureaus as a XXXX XXXX XXXXXXXX. In addition I have several positive credit accounts that were removed from my credit profiles without my consent even though they are being reported to all three credit bureaus.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX XXXX  I was on my way home from lunch before I decided to stop at the bank and deposit some loose change. I've been a Wells Fargo customer for a little over two years, and I've never experienced anything like this. As I was going to an ATM, a XXXX  man stopped me along the way asking for some help depositing a check that had {$1000.00} written on it. He said he was from XXXX, so he may have either come to the United States as a child or is currently doing business here. But, as soon as I finished depositing about {$50.00} of loose change into my account, he just goes ahead and deposits the {$1000.00} into MY account, only to then take out {$400.00}. I tried to stop him, but he just walked away right into his car and drove off. So now I'm pretty much piss-poor and the guy just committed fraud on my account. In other words, he stole the {$290.00} that was given to me from XXXX, where I'm in my final semester before I go to university in XXXX, AND the money I had just deposited into my account. 

Unwilling to accept the outcome, I immediately got on the bus, only to stop at XXXX and get on the phone with my bank. I told them that the {$50.00} I deposited earlier was mine, but the {$1400.00} wasn't. What they've done so far was put a block on my old card and send me a new one. The case is open as of right now, there has been a hold on the {$1000.00} that was deposited that may not clear up until tomorrow, both the deposit and the {$400.00} withdrawal from the ATM have been posted and they're still on my account statement, they're sending a letter to my house saying they may need more information or that they're sorry the investigation is taking so long to clear up.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX - XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion, XXXX - XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Creditor Name Account Number Balance Opening Date Status Trans Union XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 30 days late ( 2 ) 30 days late ( 2 ) 30 days late ( 2 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 30 days late ( 3 ) 30 days late ( 3 ) 30 days late ( 3 ) XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX 30 days late ( 3 ), 60 days late ( 2 ), 90 days late ( 1 ) 30 days late ( 3 ), 60 days late ( 2 ), 90 days late ( 1 ) 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (PA)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.
Consumer complaint received 2022-11-21
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. (MO)

On XX/XX/XXXX, I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX XXXX XXXX : {$0.00} This only serves to highlight your poor record-keeping skills. Even though it is closed and the amount is {$0.00}, this item is currently said to be 120 days past due. Let 's fix this right away. You must confirm this for yourself, but I will go ahead and point out that this account has been paid, closed, and is no longer active. Its status should have read " PAID. '' Unless you can show proof that you haven't violated my rights by reporting false information, remove it right away. 

XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you correct or remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

I received a loan through my retirement fund, XXXX XXXX XXXX XXXX XXXX in the amount of {$5800.00} and deposited the check into my account at US Bank on XX/XX/23. Funds were available the following day ( XX/XX/23 ) in which I utilized a generous amount to pay off other accounts. Today ( XX/XX/23 ) I saw that US Bank had withdrawn the previously accepted check, leaving my account with a significant negative balance of - {$1000.00}. After speaking with US Bank, they said there was a discrepancy with the check and the provider. I contacted the loan provider and they confirmed that the check was good and that the check numbers and mounts matched. I spoke again with the bank and they were unable to provide anymore information. I am leaving for an international trip over the weekend and if I were reissued a new check by XXXX, I would not receive it by the time I will have left. I have multiple automatic payments coming up through US Bank and will be charged an overdraft fee for each payment. I was also told that my automatic payments may or may not go through if I am unable to deposit a new check before I leave for my trip, and that those decisions will be up to the discretion of US Bank. My credit score and my rent and utilities might be greatly affected if this issue is not resolved. The bank is unhelpful in solving this issue.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I opened a care credit account for dental work. The account was supposed to be interest free if the account was paid within the promotional period. I subsequently had additional dental work done, each with a new promotional period. Synchrony bank arbitrarily applied the payments to whatever promotion they wanted and paid off more recent activity prior to older activities. This action and deceptive practice threw the first promotion into expiration and I was subsequently charged over XXXX $ in back interest. I was not made aware of where synchrony was applying payments or given an opportunity to rectify the situation. Synchrony care credit is sets you up for programmed default then slams you with steep interest fees without even giving you the opportunity to know where your payments are being applied. They are deceptive, uncooperative and fall back on some boiler plate terms that in the end XXXX you over.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

I recently discovered that multiple unauthorized accounts were opened in my name and numerous credit inquiries were made on my report without my knowledge or consent, indicating I have been a victim of identity theft. These fraudulent accounts include 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 and more. Additionally, unauthorized inquiries were made by companies like XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and others, which I did not approve. 

To address this, I have filed an identity theft report with the FTC, submitted a police report, and disputed these fraudulent activities with the credit bureaus and creditors involved. Despite these actions, the fraudulent accounts and inquiries remain on my credit report, causing significant damage to my credit standing. I am requesting a thorough investigation and removal of all fraudulent items from my credit report to resolve this matter.
Consumer complaint received 2024-09-09
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: EQUIFAX, INC. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

We received an letter XX/XX/XXXX from freedom mortgage our flood insurance renewal was not received by Freedom Mortgage My agent checked and they XXXX XXXX : XXXX XXXX sent the on XX/XX/XXXX along with the Homeowners insurance renewal. The Homeowners was paid he flood was not. Again on XX/XX/XXXX XXXX my insurance agent sent the renewal flood policy to freedom mortgage. It was not paid again? Again on XX/XX/XXXX My insurance agent sent again another renewal policy. Freedom mortgage did not pay that one either out of my eswcrow. Then we got a letter from FREEDOM MORTGAGE stating that you were going to force place FLOOD insurance on us for {$3800.00}? We contact our agent since the renewal grace period we had to get a new policy. We were grandfathered in on our old rate of {$850.00}, because we bought our house before the FEMA changes. So the new policy we have to write is for {$1800.00}? We feel you are at FREED MORTGAGE is in violation of Respa since they never sent the renewal and cause our insurance to go from {$850.00} to {$1800.00} .Freedom mortgage will not help simply stating that they never got the flood renewal that we sent 3x from my agent. We are requesting a How do we resolve this?
Consumer complaint received 2024-09-09
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. (NY)

I HAVE LOOKED AT MY CREDIT AND MY SOCIAL MUST HAVE BEEN STTOLEN TO APPLY ANND HAVE ACCOUNTS THAT DO NOT BELONG OR HAVE EVER BELONG TO ME NOR HAVE I APPLIED PLEASE HELP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (LA)

I do not and have never had a contractual agreement with Paramount Recovery for a debt of {$170.00}. Received an alert from XXXX that XXXX was flagging my Credit Report due to a {$170.00} questionable medical bill. I checked XXXX 's website and there it is listed as a debt. It also states that this debt can affect my credit negatively and have an impact on my credit score. This debt may be due to fraud because I di have some fraud detected on my credit report as well. According to the FCRA I have a right to have accurate information on my Credit Report. It's not listed on XXXX 's website. This debt has NOT even been validated. I do not have an agreement with this company.
Consumer complaint received 2022-11-21
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-15
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. (NY)

Under ( FERPA ) My rights have been violated. My student loans have been reported for years without my consent. Under the ( FERPA ) Act, Schools are to tell the parents or eligible students about information that is going to be shared to allow the parent or eligible student a reasonable amount of time to request that the school not disclose information about them. The schools are to notify the parents or the eligible students annually of their rights under FERPA. I was not disclosed any of this information per 15 U.S.C 1681b ( 2 ) ( a ) Transactions was not supposed to be shared without my consent. I asked for a document showing my wet signature showing that i entered into this contract with them and they did not respond. I have attempted to resolve this problem for months now with no avail so the next step is to sue for fraud. XXXX did not notify me that they were going to share information with a XXXX party. They did not have my consent by verbal, written ( wet signature ), or e-signature. I want this information deleted off of my credit report immediately. If not the courts will be involved.