davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coinbase Compliance KYC team ( XXXX ) started sending me emails on XX/XX/XXXX requesting me sensitive documents in order to avoid getting my Coinbase 's account restricted. 

These were the requested documents : 1. Please provide additional details around your current or previous occupation/any businesses you own/are involved in. Please also provide supporting documentation, eg. a payslip issued within the last 3 months or a letter from your Human Resources department confirming your employment. 
2. Please confirm the source of funds deposited into your Coinbase account and provide us with supporting documentation, ( e.g. a payslip, statements from other exchanges, loan agreement, credit card statements, screenshot of transactions from an unhosted wallet. ) 3. Please confirm the primary source ( s ) through which your overall wealth/net worth was generated and provide us with supporting documentation ( e.g., a pay slip ; 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.

4. Please provide us with 3 months worth of bank statements, issued within the last 4 months. 

This kind of emails are suspicious and look like phishing to my eyes and experience, so I ignored them even though Coinbase Compliance team sent me remainders every 5 days. 

On XX/XX/XXXX I've got my account restricted, and I realized that those emails were legit and should have been taking in consideration, so I proceeded to send all the information and documents on XX/XX/XXXX, following their steps : 1. Upload documents to our secure SendSafely portal https : XXXX {! Case.CaseNumber 2. Use the same email address that's associated with your Coinbase account 3. Use a desktop browser ( XXXX XXXX works best ) rather than a mobile browser if possible First response was on XX/XX/XXXX, asking me for the same documents again. 
The second response was on XX/XX/XXXX, it was a 5-day reminder asking for the same documents again. 
Third and last response was on XX/XX/XXXX, it was what it looked like a default response telling me they'd received my documents, so I had to wait. 

So after 11 emails sent asking for updates or information, that's all I've got. 

My account remains restricted after providing the requested documents 31 days later.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (IL)

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. 
Account name : Mohela/Dofed has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the immediate update and correction of the following items that are harming my credit. 
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 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

The way Experian handled my case entirely. All they did was send me an email stating they are nothing more than a credit reporting agency. Which they. Failed to mention they are paid to do so. So they must follow the laws and rules of fair and accurate reporting. I didn't sign or verbally agree to release any information for them to willing release. All they did instead of fix the problems the submitted disputes against each account on my report not addressing my prior concerns. I believe this whole issue has been misrepresented and not handled In a professional manor.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information on XXXX has been found in the data breach, p, ease remove all accounts on my XXXX credit report. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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. (NY)

1.XXXX XXXX is reporting my XXXX  XXXX card  with a credit an inaccurate credit limit. XXXX XXXX is reporting that XXXX  XXXX XXXX  have an over 2 000 dollar credit line which is not true. These accounts are well under 2000 credit line. 
2. XXXX XXXX is also reporting all XXXX XXXX card accounts muliple times 3. XXXX XXXX is reporting closed XXXX  XXXX as closed open o - time. muliple accounts as closed open. The closed accounts are not active and with no usage but is being reported as open. 
4. Both of this actions have a negative impact on my credit vintage and fico score XXXX, XXXX  and equifax scoress.
Consumer complaint received 2020-06-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (TX)

CHRYSLER CAPITAL SHOULD FACE LEGAL, CLASS ACTION CONSEQUENCES FOR DAMAGING CONSUMERS DURING COVID-19 PANDEMIC. Our family makes its living from the Corporate Travel business, which was completely shut down due to the government travel bans locally, nationally, and globally ; as well as, stay at home orders due to COVID-19. At the inception of the pandemic, we immediately and proactively reached out to our creditors, citing a willingness to work together in an equitable fashion, to try to meet our obligations. We expressed how important maintaining our credit standing would be, so we could attempt to sell our home to get to equity. We also suggested an abated payment period with accrued interest and a balloon at maturity. Our multiple calls to Chrysler Capital ( which are recorded ) fell on deaf ears, and our credit report reflects delinquencies, now causing us declines for loans that would assist us in downsizing our expenses. Chrysler Capital never offered any assistance, and placed numerous, hounding collection calls. Now we are met with 30, 60, and 90 day delinquencies posted and our credit score and comments damaged. We have expressed that we are still willing to work together, and have also cited that under Texas Law, contract frustration, impracticability, impossibility, force majeure, and government intervention are all defensible, which, if we don't receive some sort of partnering effort, will be invoked to render the contract obsolete. Many of our creditors have been empathetic, and have abated in equitable fashion, and have noted our account as always current, and affected by natural disaster. Please force Chrysler Capital to work with consumers to get through this. We are all in this together!
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (FL)

I have sent several request requesting Validation of an account on my consumer report. National Recovery Act XXXX, XXXX,XXXX. I've sent letters requesting Validation to XXXX XXXX, XXXX and XXXX. XXXX and XXXX could not validate the account pursuant to 15 usc 1692g therefore accounts were removed/deleted from XXXX and XXXX reports . National Recovery could not send validation pursuant to 15c usc 1692g so accounts are still reporting on XXXX. How is it that the accounts could not be validated via the other Repositories but yet XXXX is still reporting this false and misleading information on my consumer reports. 

XXXX Is in fact in violation of 15 use 1681b-Permissible Purposes on consumer reports. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, the Consumer never gave XXXX consent to report National Recovery Agency on my consumer reports. 

In fact, since failure to comply with the validity of this account. Account needs to be XXXX XXXX  and removed from my consumer report. 


XXXX also is in violation of 15 usc 6802-OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. The sharing of my information and communication with any person other than the consumer, without consent of the consumer is a violation and infringement on consumers right to privacy.
Consumer complaint received 2020-06-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: RedBrick Financial Group Inc. (PA)

In XXXX, I had a sewer backup and the cost was high ; so my plumber applied for a loan for me with Redbrick Financial. I pay my bill on line and I receive a receipt plus my bank send me an alert when any monies is withdrawn. Reason being I have had my identity stolen twice and fir that reason I do not want any mail sent to my home. 

On XX/XX/2020, I received a confirmation of my payment in the mail ; however I had already receive the confirmation online for which I printed out. After receiving Redbrick mail I phone them on XX/XX/2020, and requested that I DID NOT want to receive any my because of privacy issues. My neighborhood has porch pirates and dumpster divers. Having my identity stolen was a lot to deal with and I DO NOT want to go through that again. All my other bills ( mortgage, car loan, credit cards, light, gas, water, insurance, sewage ) are sent through email so why can't Redbrick do the same, they have my email address! I very seldom receive mail except for junk mail. 
I WANT REDBRICK TO STOP SENDING MAIL TO MY HOME, REDBRICK BILLS ME THROUGH EMAIL. Their respond was NO, they will continue to send confirmation because it's the law in Iowa.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-02-24
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: Rent Recovery Solutions (TX)

I mailed a letter on XX/XX/XXXX advising that a collection from Rental Recovery is a duplicate account on my credit report. I received a response letter dated XX/XX/XXXX stating the status date was modified along with the balance date and was verified the item belongs to me. I also requested the procedure on what was used to determine this item belongs to me, with no response. I want to know how was an investigation conducted and you are reporting the same account on my credit report two times.
Consumer complaint received 2020-06-22
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. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

HERE ARE ALL INQUIRIES BELOEW THAT HAS TO BE REMOVED AND DELETED PERMANENTLY XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2021-03-05
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, Macys/DSNB, and XXXX  The Account Opened is XX/XX/LVNVFunding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}. The Account Opened is Macys/DSNB Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XX/XX/GapAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (VA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report and it is now over 40+ days later and I have not received a response yet. I feel as though I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been long over 40 days so they should be deleted prompted. I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. My information was also impacted by the Equifax data breach and may have gone into the wrong hands.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX