davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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 was evicted by the landlord in question for paying the rent a few days late, less than 30 days, and me and my husband XXXX XXXX were singled out in order for the landlord to raise the rent from {$1800.00} monthly to {$2500.00} monthly. At the time of the eviction, according to the XXXX XXXX XXXX XXXX XXXX, said company was not evicting any other tenants for the reason that we were evicted. Now said company/agenty is trying to collect from us an unlawful debt of {$3300.00} and has reported us to collection bureaus. I just discovered that my credit rating went down XXXX points because of this.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-07-18
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. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2021-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Experian, XXXX, and XXXX have illegally obtain my credit report. I have checked the records and found that Experian, XXXX, and XXXX are only licensed to do business in Maryland. This means they can only report consumer reports for residents in Maryland. I am a resident of The Republic of Ohio and have been for 33 years. Please remove all the credit information from the credit report or every account should be reported as paid as agreed and appear with NO late payments. In addition, 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This further shows that any late reporting CAN NOT be on my credit report. I have attempted to resolve this issue with all of the credit reporting agencies. Experian blatantly told me on a recorded call that Experian is not required to conduct and investigative consumer report. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Information on my credit report has been directly obtained from a creditor. I have already submitted an invoice for this violation in which Experian has vehemently opted to ignore and purport that they are away of my concerns. I have been attempting to resolve these issues since last year. 

As a result, I will be submitting a Form 211 OMB and a Form 3949a as all 3 credit bureaus are committing securities fraud and at this point are committing an organized crime. I also will be requesting that the SEC consider a RICO charge filling as you have all colluded to defraud myself and my rights.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-09
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. (KY)

Several fraudulent debt collection accounts are being reported on my XXXX, XXXX and experian credit report. I have contacted these companies multiple times, sent in my identity theft report and they have yet to remove from my credit reports.
Consumer complaint received 2024-10-25
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. (FL)

in accordance with the Fair credit reporting act Account # XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2020-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I recently reviewed my credit report on XX/XX/2020 and see 2 collections on my credit report for {$840.00} and {$470.00} by a company called " Portfolio Recovery Associates '' that I am not responsible for. I have been a victim of identity theft in the past ( hence my fraud protection for all of my credit reports ). Please resolve this at quick as possible please. I am terrified and my credit score has dropped 111 points.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IA)

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : Experian, XXXX, XXXX, Clarity Services ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX  ). 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : Self-Employed Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

ACCOUNT EMAIL ADDRESS : XXXX On or around XX/XX/XXXX, I ( a ) opened an account with Coinbase at Coinbase.com, ( b ) purchased cryptocurrency ( {$310.00} USD of LTC / 1 LTC -- reference code XXXX ) from Coinbase, and received a cryptocurrency bonus ( XXXX BTC ) from Coinbase. Afterwards, I set my account with Coinbase to use a two-factor authentication method ( specifically, a Yubikey ) for added security. 

Unfortunately, my Yubikey broke, and I can no longer access my account. On or around XX/XX/XXXX, I began making customer service inquiries to restore access to my account. However, Coinbase refuses to let me access my account! Coinbase asked me to create a second account, and verify my identity with the second account, as part of the account restoration process. I did this ( the account I created for account restoration purposes uses the email address XXXX ). But I still can't access my account and, in fact, just received an email stating that my account restoration process has been cancelled!!! 

In summary, as of right now, Coinbase is holding my financial assets, I can not access or transfer any of them, and Coinbase will not return them to me ( if there is a dispute as to whether I demanded that Coinbase immediately turn over all of my financial assets, consider this complaint itself a demand that Coinbase immediately turn over all of my financial assets ).
Consumer complaint received 2023-09-09
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX ; XXXX GA XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$8700.00} ; XXXX XXXXXXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (FL)

Placed wire at Ally Bank for $ XXXX at XXXXXXXX XXXX on XXXX/XXXX/23 for a same-day transfer on acct XXXX. Per Ally 's posed Delivery Time schedule, where the wire is being initiated, the wire was due to be reviewed by XXXX XXXX XXXX and sent by XXXX XXXX XXXX. Ally failed to meet their posted delivery schedule and as result, I've incurred a late fee of 10 % which Ally needs to pay. In talking to Ally today, XXXX they can't provide a timeline for the wire transfer. I am seeking payment for the late fee of {$3300.00} because Ally delayed the transfer and didn't meet their posted timelines.
Consumer complaint received 2022-11-18
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. (MI)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXXXXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2600.00}
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Account XXXX is over 8 years old and all three credit bureaus continue to report. This account needs to be removed ASAP! it is over the 7 year mark and thus reporting agaist my consumer rights.
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance to 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. 

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 XXXXXXXX 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 2021-09-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

On XXXX XXXX I received a notification from both XXXX and XXXX about a new collection from Pro-collect in the amount of {$5300.00}. I have no idea who the collection agency is and I was never contacted by this company in writing or over the phone in an attempt to collect this debt. I disputed this with XXXX and they have completed an investigation and are saying the debt has been verified, but did not provide any information as to how and why they came up with this result. I want to report XXXX for reporting and validating the derogatory hit to me credit and also to Pro-collect for reporting this before contacting by writing or over the phone
Consumer complaint received 2021-02-22
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. (TX)

The account XXXX/XXXX  is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX/XXXX. XXXX/XXXX  has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX/XXXX  account must be deleted from my credit report.
Consumer complaint received 2021-02-22
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: Bread Financial Holdings, Inc. (IL)

There is an XXXX XXXX on my XXXX credit report that is not mine - this card was not opened by me and does not appear on my report for any other credit bureau. I only have one account open with XXXX - I have paid it off entirely and never been late. The other card that I don't have any information for, thus is evidently fraudulent is overdue and maxed out. They are alerting me that the company XXXX XXXX XXXX said it is mine, so after the initial dispute they put the card back on my acct ; however, at this point, it is evident that it is fraudulently opened with my social security number. I need to have this account removed and investigated for fraud.
Consumer complaint received 2021-02-22
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. (IL)

XXXX XXXX REPORTED LATE PAYMENTS FROM ME IN XXXX, XXXX XXXX AND OF 2018. I ATTEMPTED TO GET IT RECTIFIED AND XXXX XXXX SENT ME A LETTER WHICH I THEN FORWARDED TO THE THREE CREDIT BUREAUS, HOWEVER XXXX AND EXPERIAN CONTINUE TO REPORT LATE PAYMENT DURING THIS TIME ON MY CREDIT REPORT..
Consumer complaint received 2021-02-22
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: SYNCHRONY FINANCIAL (TX)

The account SYNCB/XXXX is not my account. The account does not belong to me. This means that I was not the person which had this account with SYNCB/XXXX XXXX XXXXXXXX XXXX  has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the SYNCB/XXXX account must be deleted from my credit report.
Consumer complaint received 2022-06-15
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: DISCOVER BANK (MA)

credit card company agreed to delete the account from my credit report, but i have waited more than a year and is still not deleted. We agreed to do pay to delete so i don't know why is still shows on my account. 

I have disputed this issue with all credit credit bureau but nothing is solve.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-11
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. (CA)

I recently viewed the latest copy of my consumer credit report and noticed several unauthorized inquiries on my report. Attached you will find a copy of my FTC report indicating my complaint, which includes all unauthorized inquiries as well as those mentioned in my personal statement section. I have contacted all 3 credit reporting agencies and they refuse to investigate or remove these items. I am requesting that all of these items be removed.

15 USC 1681b ( c ) : Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.

( 3 ) Information regarding inquiries : Except as provided in section 15 USC 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 the consumer.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.