davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (FL)

After viewing a copy of my report, I noticed a collection account placed on my credit report from National Credit Adjust on XX/XX/2022 in the amount of {$550.00}. First and foremost, I have confirmed that the debt collector National Credit Adjust is not licensed in the state of Florida to collect on this debt. Secondly, National Credit Adjust violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to National Credit Adjust? I have never heard of them, have no written contract with them and have never received any benefits from them, yet National Credit Adjust has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$550.00}. I am requesting validation made pursuant to XXXX XXXX FDCPA. I respectfully request that National Credit Adjust provides me with competent evidence that I have any legal obligation to pay them. I asking that National Credit Adjust to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statue of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and XXXX XXXX. If proper validation of the alleged debt can not be provided, I demand Nation Credit Adjust immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand National Credit Adjust agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that National Credit Adjust agrees to remove my personal information from all accounts in its companies database.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Credit Bureaus stated that accounts : ( CHILD SUPPORT ENFORCEM Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX ) were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. The have also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not finish an account without my written instructions. I havent given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2023-05-12
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. (AR)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating The Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) The credit bureaus have to modify or delete accounts that are not reporting accurately. 
According to 15 USC 1681 b ( 1 ) The credit bureaus don't have no written permission. 
According to 15 USC 1681 I have the right to privacy. 
According to the USC 1681 s-2 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. 
( B ) Reporting Information after notice & confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-05-12
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-12
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. (GA)

I asked the credit reporting agencies to verify my information, and they sent me letters saying they did. However, I have double-checked and there are many errors and inaccurate dates and other information. Here are the details : In accordance with the fair credit reporting act XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

has violated my rights.

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-12
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. (SC)

XXXX XXXX XXXX Services Account number XXXX The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is XXXX XXXX Agreement. I have the right to an accurate credit file and discrepancies like this is unacceptable. Please remove this account from my credit file immediately
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Yesterday Morning, XX/XX/XXXX I notice when I open my Capital One app that my Capital One credit card Quick Silver had a message of closing & I call Capital One Customer Service. The representative name XXXX said that my CC was closed already & I ask why, because I was planing to use it this coming weekend for XXXX  XXXX & I had accumulated {$210.00} rewards that I was going to use for my mom & aunt to cover some of what I was going to buy for them for the occasion. Inactivity was the reason of closing the account & I ask why I did not receive a notification that allow me to keep it open because I did not receive anything electronically ( since I sign for paperless ) but he said a letter was send thru normal mail /USPS XXXX I state I did not received it & I ask for my {$210.00} rewards but he said that they are gone..I said that is my money & I have the right to have it since I did not know nor I received any notification for closing the account without my knowledge. He was talking really sleepy/yawning & he said he doesnt care that I lost my {$210.00} dollarsthat was my problem... I was speechless how he talk to me & I requested for a Manager/Supervisor but before I was transfer he ask me if I want my Quicksilver credit card to be closed..I did not understand what he meant, so confused because I thought it was already closed & I could not do anything to fixed including getting my {$210.00} reward money. Before I can answer he transfer me & the supervisor said he could not do anything about it ( it was an offshore supervisor from XXXX & he couldnt understand the situation plus the connection was really bad ). 
I call back again and XXXX from XXXX also said she could not do anything about it, no resolution for the situation so I decided to call the bank & I requested to get my money back of {$210.00} since I was not aware of the CC closing, because if not I will close my bank accounts as well since I do not trust Capital One with my money after my reward money being stolen from me by Capital One credit card. 
Later after XXXX I received an email for the first time from Capital One saying my CC was closed as of this evening TODAYin other words when I call to resolve the situation, my card was still open & able to charge /used & not lose my {$210.00} but Capital One actions were literally evil and took /stole my money. I am not a millionaire I work really hard for my money and as a single mother, I count my pennies .IT HURST A LOT LOSING MY {$210.00} & each supervisor I talk said that THEY DO NOT CARE, Its MY PROBLEM. I have never being treated like this in my whole life from a CC bank or from any bank. 


To this day I did not receive the CC account closing notification letter by email /electronically since I sign for paperless nor by mail/USPS as Capital One customer service stated.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I was trying to buy a house and i realize that i have some damages on my credit reports. i call the credit bureau and to help with the hard inquiries, name and addresses. XXXX, Experian and XXXX fails to help so do the creditors. Also, most of the accounts are inaccurate, according to the 15 USC 1681 law, there should not be any damages on my report.is a defamation to my character. These companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (MT)

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with Experian Credit Reporting company. Experian then would contact XXXX XXXX XXXX and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by XXXX XXXXXXXX XXXX. Leaving the Report INACCURATE. The Account information for this complaint is taken from an Experian credit report # XXXX for XX/XX/XXXX. The account is XXXX .... This is a joint account with my spouse. I will attach documents that Experian provided. I contacted XXXX XXXX XXXX  and requested documents about payment history or statements related to this account they informed that none were available and would not provide any documents. When you examine the account information from Experian you will find that the Date Opened is XXXX XXXX. The XXXX history ends XX/XX/XXXX. The Payment history is missing 12 months of payments making this report ( INACCURATE ). The Monthly payment ( NOT REPORTED ) missing information making this report ( INACCURATE ). Upon examining the provided Experian document you will find the High balance as ( NOT REPORTED ) making the report ( INACCURATE ). Recent Balance is ( NOT REPORTED ) making the report ( INACCURATE ). The Payment history has been left showing a few months of an account which was active for 19 months making this report ( INACCURATE ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by XXXX XXXX XXXX.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX, I received 4 emails from Bank of America, who I do not bank with. I haven't clicked on or responded to any of those emails. 
The first email was to verify my email address used to create the account. I did not respond. 
The second was a welcome email for online / mobile banking enrollment. 
The third was an in-progress email for an application to a checking account. 
The fourth was the approval for the then opened checking account. 

Bank of America does not have an easy to find phone number to report fraud, so today, Monday XX/XX/15, I reached out via direct message to their XXXX account. 
After I missed their call, I called back. 

At noon the person I reached, XXXXXXXX XXXX, asked for my Social Security number to find the account. 
I stated I didn't want to provide my Social Security number because I did not set up the account. 
I noted that at least my email address used to set up this account since I received four emails from them. 

He said that he couldnt look up my email address and wanted me to physically go into a Bank of America branch. 
I declined and insisted he look up by my email since I was not the one who initiated the account to be setup. 
Since I didn't respond to ANY emails, including the email verification email, it appears his company was trying to defraud me either through insufficient vetting of an applicant or by BoA conducting unscrupulous activities by secretary setting up accounts. 
I informed him and in the XXXX XXXX thread, my next steps are to report the company for fraud. 

After replying to the XXXX XXXX direct message of my intentions to report them for fraud, I received a call back from XXXX in their Social Media department who pledged to act as a liaison to XXXX in the checking fraud department to try and resolve the issue using only the information they had. 

They insisted they could not proceed without my SSN, which I reluctantly provided. 
XXXX found an account, which used my SSN and a previous address and closed the account, noted there was no activity, stated she would report to the credit bureaus that the account was not authorized, and would send an email with next steps to protect against identity theft.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

I closed a credit card account with Wells Fargo by going inside the branch and paying my last statement balance with the teller. Several months later I received a late payment on my credit report for that same account, which still showed as open. I called and spoke to multiple representatives, who admitted fault that some mistake must have occurred. I paid the balance they were requesting and again implored that they close the account to which they obliged. 2 years later and this false late payment is still on my credit report and the account was STILL open, now with fraudulent information on the account so there was no way for me to verify it. Wrong address, wrong Mothers maiden name, marked as fraud and refused to close the account since they could not verify me as the owner. After being transferred XXXX times the account was finally closed, but they still refuse to take the false late payment off of my credit history.
Consumer complaint received 2023-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (MD)

ACIMA Credit Company charged me an excessive amount ( approximately three times the cost of the furniture ), in interest on furniture I purchased from XXXX XXXX XXXX XXXX. I attempted to reach out to ACIMA Credit Company to try to reach a settlement, before the account was paid in full, but was unsuccessful. 
( Lease Number XXXX ) First Payment Date ( Monday, XX/XX/XXXX ) Renewal Payment Amount ( {$120.00} + applicable taxes ) Payment Frequency - ( Bi-Weekly ) Early Purchase Option Amount - {$1800.00} + applicable taxes by XX/XX/XXXX TOTAL RENT PAID ON XX/XX/XXXX - {$3900.00} This company currently has a XXXX XXXX  rating with 1,152 Customer Complaints in last 3 years, and 355 complaints in the last 12 months, so I think this speaks for itself!
Consumer complaint received 2023-05-12
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. (GA)

I asked the credit reporting agencies to verify my information, and they sent me letters saying they did. However, I have double-checked and there are many errors and inaccurate dates and other information. Here are the details : In accordance with the fair credit reporting act XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

has violated my rights.

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (GA)

I asked the credit reporting agencies to verify my information, and they sent me letters saying they did. However, I have double-checked and there are many errors and inaccurate dates and other information. Here are the details : In accordance with the fair credit reporting act XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX DEPTEDXXXX  account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

has violated my rights.

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-15
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)

XXXX, XXXX, TRANSUNION IS Obligated by the FCRA to report accurate accounting. Consumer has advised All the accounts, all the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. and block from being on the report while conducting an investigation. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX. XXXX. TRANSUNION TO provide the documentation used to determine these accounts and inquiries was indeed authorized by the consumer. XXXX. XXXX. TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-Oscar report
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (PA)

I invested a large amount of money at coinbase on XXXX from XXXX. When I went to sell my stock, I could not find the sell icon. I reached out to coinbase on XX/XX/23, and its assistance told me my stock was staked which I didn't know what that meant. I also told this person I never authorized it, she said it was done automatically. She walked me through unstaking the item but the system told me it would take up to 23 days to clear so I can sell XXXX stock, and she assured me in 48 hours it would clear. 23 days has come and gone and my investment is no where to be found. The company keeps telling me they are aware of the issue and are working to resolve it, but I think they are not being truthful about my investment.