davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 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 2021-11-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

In late XXXX I was unable to start my Coinbase app. At the time the issue was communicated to be a technical one on Coinbase 's side, and I was advised to " try again later. '' After days of trying I turned to log in to Coinbase via my web browser, but was prompted to re-verify my identity by posting my Driver 's License ( again ) and submitting a photo of myself. After that I eventually received a notification that my account was disabled, and I can no longer log into my account via a web browser. 

I am somehow still logged into my Coinbase app, which now " works, '' however I am no longer able to purchase anything and fear that as soon as something could happen to my phone/app, I will be logged out of my account forever and lose all of the funds I have invested through Coinbase. 

I have gone through numerous avenues to speak to Coinbase customer service to resolve or gain an understanding of the situation, and thus ensure my financial information hasn't fallen into the wrong hands, but each occasion resulted with me being told, " After a review of your account, weve determined we are unable to restore these restricted capabilities back to your account. Coinbase is unable to provide you any further information on the reasons for your account restriction. '' While they have informed me that I can still trade, sell, and cash out, I am still deeply concerned that I can NOT log into Coinbase any longer. I feel like my financial information has been taken hostage.
Consumer complaint received 2023-11-13
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. (MI)

I sent a letter to Experian to reinvestigate these accounts on XX/XX/2023 tracking XXXX # XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name XXXX XXXX  XXXX XXXX XXXX 
Account : XXXX Account Name : XXXX XXXX  Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX  XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Account Name : CHARTER XXXX CC ( XXXX Citizens XXXX ) Account : XXXX Account Name : XXXX XXXX XXXXXXXX Account : XXXX Experian - Investigation was completed on XX/XX/2023. Report XXXX XXXX However, they stated all accounts was 100 % complete and accurate. 

But how is that possible if there is still incorrect, inaccurate reporting date of last activity, open date, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that arent reporting correctly. If all information is not 100 % correct and accurate -- accounts must be deleted per consumer law. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have more evidence to prove my case Furthermore, they didnt even record the current status of the disputed information which is another violation.
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC. (NC)

On XX/XX/XXXX, a woman from Halstead Financial called and threatened to sue me for a debt that is almost 7 years old. At that point, I had no idea about the debt and confirmed it over the phone. Seeing that debt did belong to me over a CFPB complaint, even though I asked for a prior explanation. I have since received countless emails asking for payment through a portal and even still receive calls from them in the wee hours of the morning or around the time it is designated as " bedtime. ''
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I have been attempting to make payments on my Comenity cards. I have New York & Company, Victorias Secret, Express, Ulta and BJs. The website to make payments has been down for almost a week, they wont accept payments online, called the company and get a message saying the call center is closed due to unforeseen circumstances. This is unacceptable!
Consumer complaint received 2021-12-16
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: Eastern Account Systems of Connecticut, Inc. (IL)

See Attached Company and/or it's agent did a hard credit search that should have! 00 % told them that the debt is question was not mine, but they proceeded to place the Notice of Collection on my credit bureau files . Even the slightest due diligence investigation should have been enough.

As a result my credit score has decreased aby XXXX points. 

Although I repeatedly demanded that they remove the collection notice they have not
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I was notified by XXXX XXXXXXXX XXXX on XX/XX/2021 that may email change needed to be confirmed. I have never had an account with XXXX XXXXXXXX XXXX. I tried to call, but since I did not have an account number I could not access their voice system. 
One XX/XX/2021 I received an email from USPS notifying me of a change of address from my home of 20+ years to a new address. I did not submit this request. 

On XX/XX/2021 I received a paper notification from USPS. One XX/XX/2021 I went to the post office to find out how to correct this. In the process I learned that someone requested my address be changed to XXXX XXXX XXXX in XXXX, VA XXXX. I reported this with the XXXX XXXX XXXX XXXX. Service Request # XXXX. 

On XX/XX/2021 I received via USPS a credit card from XXXX XXXX XXXX with a cash withdrawal limit of {$16000.00}. I NEVER opened this account. I contacted XXXX XXXX  XXXX at XXXX. XXXX in Fraud closed the account and asked me to destroy the card. 

I then checked with the credit reporting agencies. I have freezes on all my credit as I was notified over the past several years of data breaches. It seems Experian received the credit inquiry. I tried contacting them on XX/XX/2021 but their phone system won't let you speak to a person. I had a freeze on my account. Why was XXXX XXXXXXXX XXXX able to issue credit in my name with a freeze in place. 

I have requested a Fraud Alert from all 3 credit report bureaus. I would like to request a 7-year Fraud Alert but they need some kind of documentation stating I was a victim of identity theft. 

I also contacted the police in XXXX, VA notifying them of the address. I was told by Officer XXXX on XX/XX/2021 that she would take my information but the best course of action was through XXXX XXXX XXXX XXXX as this is a federal crime. 
I also contacted the owner of the apartment at XXXX XXXX XXXX in XXXX, VA. They got me in contact with the property manager. I spoke with her by phone on XX/XX/2021 notifying her that she has a potential federal criminal at this address ( XXXX XXXX, Regional Manager | XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX | Virginia | XXXX | ( o ) XXXX x XXXX | ( f ) XXXX ). 

Property Owner of Street Address:XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, XXXX  XXXX Subdivision Name : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-16
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: Onity Group Inc. (CA)

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.
Consumer complaint received 2023-11-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CATHAY BANK (MN)

I was involved in a romance crypto currency scam. I wired money 3 times from XX/XX/2023 and XX/XX/2023. On XX/XX/XXXX I sent {$3000.00} to a bank. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX branch On XX/XX/2023 I sent XXXX to another bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. On XX/XX/2023 I sent XXXX XXXX XXXX XXXX XXXXXXXX Cathay bank XXXX XXXX. During the next 6 months we made trades on a website called XXXX a partner with XXXX. My account reached {$270000.00}. Which seemed real. On XX/XX/2023 the web site vanished and I haven't heard anything from her. the transfers were from my XXXX XXXX bank account. 
Thank You, XXXX
Consumer complaint received 2022-06-22
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. (CA)

On XX/XX/2022 I submitted a CFPB complaint against Experian regarding the below account : XXXX Acct # XXXX Upon review of the account, Experian confirmed that all information had been verified with the furnisher. There are multiple inaccuracies on the account verified by Experian. Experian and XXXX are reporting different information in multiple areas on this report. Attached you will find those inaccuracies. 
Furthermore, I was not provided any signed documentation or other proof that this account belongs to me, as requested. 
THIS COMPANY IS IN VIOLATION
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

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 a account without my written instructions 15 U.S.C 16661 B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (VA)

I first sent a certified letter to Receivables Management Systems on XX/XX/2021. I received no validation of debt but was sent a bill instead saying they hadn't heard from me. The letter I sent was from the address on my credit report on XXXX I received no response, bill has different address then what is reported on credit report. 

I then sent a follow up letter on XX/XX/2021 asking for validation of the debt owed. This was also by certified letter, it was sent to another address given on a different credit reporting on XXXX I received no response and was sent a bill on XXXX instead saying they haven't heard from me. There was a different address on the bill then what is reported to the credit bureau. ( I have confirmation they received each letter from USPS website tracking ) I then followed up with my 3rd letter by certified letter on XX/XX/2021. Asking for validation of debt again, I sent this letter to the address on the bill. I received no response. Nothing, until XX/XX/2021 saying they hadn't heard from me. Even though I know they received each letter. 

I then my 4th letter with copies of each letter that I had previously sent, copies of each certified letter to them, to address on bill on XX/XX/2021 this was sent by certified mail as well. 

I received no response again. I then sent my 5th and last letter to them asking for validation that this was my debt, on XX/XX/2021. I sent this certified letter with a return receipt so they would have to sign for it this time. I have all electronic receipts through USPS of when it was received each time by there office. I then received a letter back from them, it was quite rude and told me they are not required to give validation of this debt since they received no response from me they said. Which is simply untrue. I have proof of the letters and receipts that have been sent over a 5 month period. 

They are not following the law, they haven't responded for over 5 months, and then send me a bill with personal medical info, which is against HIPAA rights, they have no legal right to have that information because they have not shown a sign copy of a release from me for HIPAA medial information. They are in serious violation of several collection practices. 

I want this debt removed, they have no legal basis, they have no contract with signature that says I'm require to pay them, they have no HiPAA release from me either and I have no legal obligation to pay them because of that requirement. They have to follow the law and they are breaking it.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-08-19
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. (NV)

For background : in 2015 I was going through a divorce and needed to get rid of my ex-wife 's car under my name. I talked to XXXX ( XXXX XXXX XXXX ), and they said I could take this car back to the dealership essentially, " give it back. '' I did this at the end of 2015, taking the car to XXXX of XXXX in XXXX, Maryland. Two month later, XXXX sent me a letter saying the car would be " repossessed and sold at auction '' if I didn't make payments, and a month later the car was sold. At this point they had already had possession of the car for 3 months and had stopped sending me bills so this was confusing. I spoke to XXXX XXXX XXXX, the woman said they sold it, sold off the remaining debt, and I owed them nothing. She also said I didn't own any third party debtor, that as far as they were concerned the account was closed. 

Fast forward 6 years, and no one has ever contacted me for any debt. I have no current account at XXXX, and they can't even look me up by my Social Security Number. Yet, All 3 credit bureaus showed there was about $ XXXX ( the amount written off ) balance, but {$0.00} owed. This was fine, except one of the credit bureaus showed a monthly reported payment status and I was trying to correct this. 

Using the XXXX XXXX app, I disputed the current balance at XXXX. It should have been a {$0.00} owed balance. They looked into it, and in the end they decided the balance was correct and changed it to an ACTIVE account, making my credit score drop 124 points! The problem here is I'm currently in escrow and buying a home. I close in 2 weeks and this puts my home purchase in jeopardy. I reached out to XXXX but since I'm currently on a work assignment in XXXX XXXX, XXXX, I'm only able to reach them through XXXXr messages. I haven't gotten a response there so far. 

Please help! Not only is this a closed account, but I owe {$0.00}. I have no idea who I would even owe this to. It's not XXXX - I checked. No one else ever contacted me for any debt. It's a complete mystery and should be off my account.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Flandreau Santee Sioux Tribe (IL)

I got 3 calls from a? Credit collection agency called XXXX. They were calling on behalf of VIP LOAN SHOP/XXXX XXXX XXXX. They have also called my husbands cell & my step sons cell phones twice after asking them to stop. They said I took out an online loan, had it sent to my bank, then closed my account so unless I pay them {$760.00} they will serve me papers for breech, worthless?, and defrauding a business and that will cost me {$1800.00}. I have not had a loan with them and never heard of them. I have been a victim of identity theft in the past and received notification that my personal information has been located on the XXXX web??? They also threatened to go to my employer with this information ( Ive been on XXXX for years ). There are different phone numbers they call from and different numbers to return their call with different names and claim numbers. I would like to file charges and collect {$1000.00} from them for each call they have made for harassing me and my family even after being told to stop. This is starting to affect my health!
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To whom can help, I submitted a dispute on XX/XX/2021 to XXXX XXXX, and Transunion of items that were alleged to belong to me that are being reported on my credit report. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the XXXX data breach are. I would like this information removed immediately or I will seek litigation.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

I had bought a car from US Auto Sales l. I have been honoring my end of the contract and they have not. My vehicle is not operational and has not been operational since the company went out of business. I really need this matter resolved.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Santander Consumer USA Holdings Inc. (NY)

My loan is serviced by Santander Bank. I have been trying for months now to get them to pay the property taxes for my house, for which I pay into an escrow account every month. They have also failed to pay the insurance bill. 

I received a notice from the bank that I don't have insurance with a threat to purchase the bank insurance so I needed to pay for the insurance while my money sits in escrow. 

Most recently I received a lien notice from Department of Finance for unpaid tax bills and now I fear my house may be foreclosed on.

This is all while I continue to pay into my escrow account. I have called numerous times over the past three months, and each time am told that they are looking into the issue but nothing is being done. The most recent time I called and asked to speak to a supervisor. I was told that they do not accept incoming calls and was promptly hung up on. 

I am at the end of my rope and do not know what else to do. I continue to pay for an escrow account while my insurance and tax bills remain unpaid.
Consumer complaint received 2021-08-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I decided to dispute numerous Items with the credit bureaus since I found multiple errors on my credit reports. The dispute was sent by certified mail to TransUnion ( XXXX ), XXXX  ( XXXX ) adn XXXX  ( XXXX ). But by today XX/XX/XXXX The companies have still not responded, yet still reporting errors on my credit report.