davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
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. (MI)

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 nameXXXXXXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXXXXXX 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 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 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXXBalance : {$1600.00}
Consumer complaint received 2017-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NJ)

on XX/XX/XXXXI opened an account with Coinbase to purchase digital currency. {$4000.00} was moved to coinbase which I then purchased XXXX. A few minutes later my account was closed by coinbase for no reason. Now I cant access my account and the money was taken from my bank account.
I 've called them over 20 times, but no answer and they just hang up. I 've also send over 10 emails. 

I need to have acces to my account to transfer the coins. Right now they are holding my money and not giving me access.
Consumer complaint received 2017-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

I was approved in store for a XXXX XXXX credit card in XX/XX/XXXX. The bank that the credit was extended through was XXXX XXXX. in XXXX I used the card and paid for purchases that were used. AroundXX/XX/XXXX i was notified through a credit monitoring service that my account had been closed with no explanation. I inquired and within the first few weeks there was n't a reason. After hearing that XXXX XXXX  was apart of the XXXX breach I brought it to the attention of XXXX and asked them if the reason my account was closed was due to me being lower class or not having much money for synchrony or XXXX to protect. I did n't understand how credit was extended and taken back as if I had no right to ask what happened, Around XX/XX/XXXX I received correspondence that my account was closed due to old and past derogatory Items. I informed them when they extended credit to me those items were there why use that as a tool to close the card.
Consumer complaint received 2023-04-12
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: Merchants Acceptance Corp (FL)

I have disputed with the three major bureaus multiple times about this account reporting on my consumer file ( MERCHANTS ACCEPTANCE CORP ACCOUNT # XXXX ) this account continues to come back as verified and i have yet to receive any proof of validation of this debt. On my consumer file the alleged debt is showing as charged off since XX/XX/XXXX, however the balance continues to increase and decrease, the status continues to change, and it is reporting as open. By law this is inaccurate reporting to my consumer file and has been going on for months now. also listed on the account is a comment from the furnisher stating that, ( CREDITOR CAN NOT LOCATE INDIVIDUAL. {$1400.00} WRITTEN OFF. {$2100.00} PAST DUE AS OF XXXX XXXX. ) How is it possible for me to still be accumulating debt on a written off account? I have yet to receive any mail from this company stating proof of claim, I do not have a contract with this company and have not been provided with proof that I do. I have attached the most recent changes as proof to the changes being made on my consumer file with this company. This inaccurate non validated account is affecting my creditworthiness and ability to provide more for my family when i apply for new credit.
Consumer complaint received 2023-04-12
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: OneMain Finance Corporation (CA)

This account XXXX XXXX is fraudulent. Therefore it needs to be removed from all 3 credit bureaus. I also have 2 late payments that are reporting incorrectly. OneMain and XXXX XXXX. They need ti be updates.
Consumer complaint received 2023-04-12
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: OPORTUN FINANCIAL CORPORATION (CA)

This account XXXX XXXX  is fraudulent. Therefore it needs to be removed from all 3 credit bureaus. I also have 2 late payments that are reporting incorrectly. XXXX and Oportun progreso. They need ti be updates.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

My account was hacked on XX/XX/14 two different transactions and I disputed the transactions and they keep denying them who ever hacked my account changed all of my information and started sending money to different places. I have disputed this 9 times and they are refusing to give me what was taking from me. The bank was chime I have all the screenshots from the situation
Consumer complaint received 2023-04-12
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. (TX)

Equifax XXXX and XXXX. All theses. Inquiries on my report where disputed their investigation all these inquiries where due to fraudulent activity ive they still wont these items off my report or give me any proof that its me. Being to lazy to truly investigate this problem XXXX XXXX XXXX  Unlocked : Access granted XX/XX/23 XXXX XXXX  ... XX/XX/23 XXXX : Access granted TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX granted CONSUMER XXXX XXXX Unlocked : Access granted XX/XX/23 XXXX XXXX XXXX Inquiry XXXX XXXX
Consumer complaint received 2023-04-12
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. (MI)

On XX/XX/2023 I contacted Experian credit reporting agency and informed them of a unauthorized inquiry ( XXXX XXXX ) being reported on my consumer report. I demanded them to remove the unauthorized inquiry failed to do so.
Consumer complaint received 2023-04-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On XX/XX/2023 I sent Equifax a letter informing them of unauthorized collection on my consumer report. I requested them to be removed from my consumer report they have not responded back to me.
Consumer complaint received 2017-10-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc. (IL)

I went to court for this issue. Was told by the judge to pay XXXX XXXX in the amount that was owed of {$1800.00} by XX/XX/XXXX, 2012. I went into the office to give the property manager a chashiers check if {$6000.00} but was told they couldnt accept any money from me. I few weeks later all of my belongings were thrown out into the alley behind the building.
Consumer complaint received 2023-04-12
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. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2017-12-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (UT)

I was sold to apply for a Home Equity line by Chase, Applicatication number '' XXXX XXXX XXXX XXXX : XXXX XXXX ( NMLS XXXX ) on XXXX/XXXX/XXXX when inquiring about the HELOC product. Phone call was represented to be recorded. Upon completion initially my wife had some errors on her credit report and I was told that I would be approved with the application in just my name. I fully explained my divorce in XXXX and the short sale ( s ) /charge off that took place as result. I also explained that my circumstance met the XXXX XXXX guidelines for an extenuating circumstance in that my credit before and after the divorce liquidation required was perfect, and that I had obtained conventional XXXX XXXX financing in XXXX. I was told by the NMLS licensed Chase employee ( XXXX XXXX ) that I just needed to submit the same documentation ( letter of explanation and copy of my divorce decree ) I did for my first mortgage. On XXXX XXXX, XXXX I received a message from the XXXX XXXX XXXX XXXX ( NMLS XXXX ) stating my application had been denied due to the short sales. Upon calling I asked when the file was underwritten and I was told that it was underwritten the prior day on XXXX/XXXX/XXXX. I immediately asked how they were to come to a credit decision prior to reviewing the documents surrounding the divorce that were sent on XXXX/XXXX/XXXX. XXXX apologized and said she would have the documents resubmitted for another decision. This was done and they again denied the file, completely contrary to what was represented by the licensed NMLS representative XXXX XXXX. I was given a false approval on a recorded line after giving all of the exact details.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (CA)

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. XXXX XXXX XXXXXXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$180.00}, XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$730.00}, XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, anXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}. Also these inquiries : 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  XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/2021
Consumer complaint received 2023-04-12
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. (VA)

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.
Consumer complaint received 2023-04-12
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. (CA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2023-04-12
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: Experian Information Solutions Inc. (CA)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX Balance {$940.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-04-12
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. (FL)

A month ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 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 2017-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (LA)

This company is accusing me of this unknown debt. I feel like they are trying to say this debt is mine without investigating properly. I have never lived at the address that this debt has come from. The only addresses I 've ever lived at are the ones on my credit report. I never claimed this debt was mine. I simply stated that if you are saying that this debt belongs to two people then it should be split in half, because two people ca n't owe the same amount on one debt. I also noticed that this company stated that the debt occurred in XXXX, but my credit report is stating that the open date is XX/XX/XXXX which means that y'all are n't even sure when this debt occurred. I ask that this debt be properly investigated or REMOVED from my credit report. I have never even been a resident at this place. I have lived in Louisiana since the day I was born. This company claims that I never sent them proof of my residence for XXXX, but I was never asked to provide any proof of residence. This company is doing all that they can to accuse me of this debt. If this matter is handled properly, then I will be filing a complaint with the Federal Trade Commission. This debt is not mine and should n't be on my credit reports.
Consumer complaint received 2023-04-12
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. (TX)

I have previously disputed MY BANKRUTCY with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court which they stated the DO NOT/ HAVE NOT REPORT PUBLIC INFORMATION. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

The fact that public records still show up on a credit report makes them false reporting, and a violation of the Fair Credit Reporting Act. 

Please remove and delete bankruptcy.
Consumer complaint received 2023-04-12
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. (FL)

I want this late payment deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (TX)

I recently went to open up an account at my local credit union in Texas and was informed that I had an account opened and closed with this bank. I never opened an account with First National BankXXXX and realized that this account had been opened by my ex who was deceased and had opened other accounts using my identity. I reached out to First National Bank to resolve this issue but no one has contacted me.