davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXXXXXX XXXX XXXXXXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$6100.00}, which exceeds the original credit limit of {$5000.00}. This reporting is inaccurate and misleading, reflecting a 124 % utilization rate, even though the account is marked as charged off. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX 's status as the creditor. I do not acknowledge this debt and request proof of XXXXXXXX XXXX legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$6100.00}, since this account was closed. No additional payments should be marked as past due, making this reporting inaccurate under FCRA 15 U.S.C. 1681i. Moreover, the worst payment status is listed as charge-off, but the payment history shows significant inconsistency, violating FCRA 15 U.S.C. 1681c, and should be corrected or removed. Lastly, I dispute the remarks, stating " Charged off account ; Account closed by credit grantor, '' as these are misleading and should be removed in compliance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Consumer complaint received 2024-09-30
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. (FL)

My name is XXXX XXXX and last XXXX of my SSN is XXXX Credit Report # at Experian XXXX XXXX. 

Experian has allowed an alleged creditor named XXXX XXXX to report a fraudulent, illegitimate collections education debt on my credit report in the amount of {$14000.00}. This alleged collections account is a blatant fraud and is seriously damaging my creditworthiness. Moreover, it is causing me great emotional distress because I am currently looking to move and apply for a new house lease but can't because this frivolous account has caused my credit score to plummet almost XXXX points, down to below XXXX FICO score which disqualifies me with many landlords. 

XXXX XXXX does not have an iota of evidence linking me to this debt. The only document they provide evidencing the loan is a " student enrollment agreement '', with incorporated educational loan terms, that was filled out by a third party named " XXXX XXXX '' as the student applicant and signed by the same third party ( XXXX XXXX ). My info and my signature does NOT appear anywhere on the loan documents. It is blatantly obvious that this debt is not mine and Experian 's continued reporting of it is causing me damages. I have refiled a dispute with Experian regarding this account. I advise that Experian block the reporting of this fraudulent account because I am presenting very compelling evidence disputing the alleged creditor 's claim. Experian should err on the side of caution and tell the creditor XXXX XXXX to kick rocks unless he can present clear and compelling evidence and/or a Court order determining that the debt is mine ; which, however, the creditor does not have any such evidence or documentation because he would have already provided it if he did. 

This is a legal demand that Experian cease and desist and/or block the reporting of the frivolous collections account by XXXX XXXX. 

Attached to this email is a letter I have provided to Experian in my re-investigation dispute.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-23
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. (DE)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (PA)

On XX/XX/XXXX, I logged into my Coinbase account. This required using XXXX and due to issues with their XXXX service required me to upload copies of my drivers license and upload a live video. This completed and I was able to log in. I attempted to transfer XXXX to another exchange and the transfer failed. At this point Coinbase indicated that I can not transfer XXXX for 60 days for " security reasons. '' No details were provided, nor was I contacted about any security concerns prior to XX/XX/XXXX. LIkewise, the notification of the account lock includes no details on why there are security concerns or how I can resolve them. The notice claims that they detected that I was trying to send crypto to a fraudulent address, yet the address I was using was that of other crypto broker, one of their competitors. There are XXXX  of similar reports of other Coinbase account holders online. Coinbase appears to be preventing people from transferring XXXX out of their accounts to prevent people from taking their deposits elsewhere. Never have I seen anything like this with any other investment or exchange.
Consumer complaint received 2024-08-14
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. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-24
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXXeported XX/XX/year> 15 U.S.

C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

15 USC 1681i : Procedure in case of disputed accuracy PLEASE SEE ATTACHED DOCUMENTS I SENT OVER EVERYTHING XXXX to XXXX WHY ARE THEY USING MY CONSUMER REPORT HOW EVER THEY WANT THE DELETE AND ADDIND ITEMS BACK TO MY REPORT STRESSING ME OUT WITHOUT MY CONSENT CAPITAL ONE HAVE NOT ONCE CALLED OR CONTACTED ME ABOUT THIS FALSE CREDIT CARD INFO I WILL LIKE EVERYTHING PERMANENTLY REMOVED FROM MY REPORT THATS HURTING MY CONSUMER REPORT IF NOT I WILL TAKE LEGAL ACTION ii ) Notice to creditors If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency YOU NEVER CONTACTED ME 5 days prior to any thing A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
Consumer complaint received 2024-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account Im asking you to verify as accurate this its the account name XXXX XXXX XXXX account number XXXX and XXXX XXXX accounts XXXX its for {$16000.00} and the other XXXX its $ {$12000.00} thank you very much
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

I received notifications to my cell phone of withdrawals that I did not make from my banks smartphone app on XX/XX/year>. The charges appeared to be from an ATM for approximately {$500.00}. I then logged into the account and did not see these withdrawals posted. Once I saw them in my statement I called the bank and began a fraud claim and requested a new card. Currently am awaiting an update and confirmation I will not have to return the provisional credit that was applied to my account. Thank you.
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (MI)

Navy FCU XXXX {$24000.00}. Navy FCU XXXX {$19000.00}. XXXX XXXX {$1000.00}. XXXX XXXX  XXXX XXXX {$18000.00}. XXXX XXXX XXXX {$11000.00}. DPT ED XXXX XXXX {$6200.00}. DPT ED XXXX XXXX {$3500.00}. DPT ED XXXX XXXX {$3000.00}. DPT ED XXXX XXXX {$4200.00}. XXXX XXXX {$3200.00}. XXXX XXXX {$2600.00} INQUIRIES : XXXXNAVYFCU XX/XX/year>, XXXXNAVY FEDR XX/XX/year>, NAVY FCU XX/XX/year>
Consumer complaint received 2024-08-14
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-24
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. (IL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply fo upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit report but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (GA)

On XXXX XXXX I requested to withdraw funds of XXXX ( equal to {$95000.00} US Dollars ) from Coin. Base a cryptocurrency company. They refused and stated I owed them XXXX usdt and they would release the funds. They have used this same tactic to gain additional funds previously. They erroneously claim its payment to the IRS for income. The IRS uses XXXX XXXX to claime income of cryptocurrency. I explained this to Coinbase customer service repeatedly and the continue to refuse my withdraw request. I believe they are attempting to scam me out of my funds. I have numerous photos of the conversations that have taken place with them since I use my cell phone to conduct transactions. The quantity of photos are too numerous to attach. Contact me to provide photo diary.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-24
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. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-23
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 filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARD opened at XXXX XXXX XXXX {$3500.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that XXXX XXXX XXXX  related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-09-30
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. (TX)

Motion to Withdraw and Status conference on Dismissals Inbox XXXX XXXXXXXX XXXX Attachments XX/XX/2021, XXXX to me The court has set the Motions to dismiss for a status conference on XX/XX/2021. I have attached a copy of our Motion to withdraw and the notice of hearing to this email. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Direct Line XXXX Fax XXXXXXXX XXXXXXXX XXXX You filed your own motions to dismiss in the lawsuit and the XXXX XXXX  bankruptcy. The Court has set those motions for hearing on XX/XX/2021 at XXXXXXXX XXXX. You need to attend that hearing. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Direct Line XXXX Fax XXXXXXXX XXXX I AM DISPUTING THIS BANKRUPSTY THROUGH XXXX EXPERIAN XXXX THERE IS ERRORS AND IT WAS DISMISSED NEVER WENT THROUGH WITH THIS DELETE THIS IS A EMAIL FROM MY LAWYER
Consumer complaint received 2024-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Follow-Up on Dispute and Request for Verification PLEASE REMOVE ACCOUNTS OFF CREDIT REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 To Whom It May Concern, I am following up on a previous dispute regarding inaccurate accounts reporting on my credit report, which your bureau maintains. On insert date you mailed the first letter I sent a letter requesting verification of these accounts. On date of letter they sent you, I received a response from your office stating that the accounts were verified. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ) ( C ), I am formally requesting a description of the method your bureau used to verify the information related to my dispute. This includes details about the procedures followed and any relevant documents or evidence that were relied upon in reaching your conclusion.

Per FCRA Section 611 ( a ) ( 2 ) ( C ), you are also required to forward all relevant information used during your investigation to the furnishers of the disputed information to ensure a proper review. 

Please provide this information within 15 days, as required by the FCRA. If you can not provide this documentation within the required time, I respectfully request that the negative items be deleted from my credit report. 

Attached, you will find copies of all documents included in my original dispute. Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX
Consumer complaint received 2023-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

My husband, XXXX XXXX, and I had a home mortgage ( I am not sure what kind of mortgage it was ) through Wells Fargo from XXXX - XXXX. I have seen information online that Wells Fargo is paying settlements to consumers who were harmed financially, due to a lawsuit that resulted in a {$3.00} XXXX settlement. I have contacted Wells Fargo and updated my contact information with them, but they were unable to talk to me over the phone about any payments we could potentially receive. I am looking for assistance in this process.