davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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. (VA)

In accordance with the Fair Credit Reporting Act. The list lif accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer reporting 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-07
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

I called XXXX XXXX  on serveral occasions telling them im a victim of indentity theft & my Info was used fraudulently to opened an XXXX XXXX account and its showing a remark of bankruptcy which I have never filed.
Consumer complaint received 2022-11-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (GA)

I have been attempting to resolve issues of payment for my student loans through Sallie Mae. I have been attempting to resolve this issue since XXXX. I have done two income information reports with them and they have still presented be with astronomical amounts to pay every month that I do not have. Since the start of XXXX they have called me almost two to three times a day. In addition to my co-signer, my dad, two to three times a day ; despite me telling them that my father is unwell and can not barely move let alone answer a phone. The amount of calls have been disrespectful and rude and they come at irregular times of the day XXXX and XXXX. Sometimes the calls are even thirty minutes in between of each other. Also, I am currently in school, despite their website that lists my college as a college that sends over information to them alerting them I am in school, I filled out a deferment form on my own on XX/XX/XXXX, that they now say they never received.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (RI)

I received 3 credit cards in the mail I did not apply for. I thought they were junk mail until I opened them on Saturday XX/XX/XXXX. All three accounts sent me physical credit cards. 

XXXX. ) Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Visa Signature ) I received a bill statement from XXXX XXXX XXXX XXXX XXXX  card. {$75.00} on XX/XX/31 for " Annual Fee ''. 

Wells Fargo sent a statement with a {$0.00} balance. 

I called each company and successfully closed & blocked the credit card as well as open an investigation into the fraud activity. 

- XXXX XXXX closed Saturday XXXX - XXXX XXXX XXXXXXXX closed Saturday XXXX - Wells Fargo closed Monday XXXX I also received a notification from XXXX XXXX  declining an application " due to number of recent inquiries on consumer report agency '' XXXX was listed. 

I am not sure if there are other fraudulent accounts open in my name in addition to the three listed above.
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has stolen my money. I had a domestic wire of XXXX wired in to my business account from a car dealership that I had done business with. I was able to access funds on first day. Next day the account was frozen and BOA claimed they needed to verify wire even though I already had access to funds. I went to the bank and provided documents proving it was a legit wire. BOA contacted XXXX XXXX and it was verified. It now has been 2 weeks and the account was still frozen for no reason. Called several times and kept getting sent to different departments. Placed a claim with OCC and BOA called me and said they would look into the matter. I never heard back from them. Calls and emails went unanswered. Today XX/XX/2022 I still have no funds and BOA closed my account for no reason. I still dont have my XXXX. BOA has stole my money and this matter needs to be addressed.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

XX/XX/22 I needed to pay some utility bills online as well as other things and to be safe I went to XXXX and loaded {$500.00} cash onto a Netspend/PayPal prepaid card. A {$5.00} fee was charged leaving {$490.00} on the card. I then activated the card and tried to pay the bill, it was declined. I proceeded to register the card online and they asked for documents to verify my identity. They asked for ID and a utility bill. I provided the documents asap and shortly after they responded saying my account was fully ready to use. I try again to pay a bill/shop and they blocked my online acces and ask for the same documents again. Their response email said they respond within 6 business hours. They did not respond until XX/XX/22 saying the documents had to be in color. I re-sent the documents within the hour and they replied again that they will respond within 6 business hours. They still have not responded or unlocked the account. I am now late with the bills I needed to pay and they have stolen {$500.00} from me.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year>, my renewed drivers license was stolen from the mailbox. I immediately went to Experian, XXXX and XXXX to freeze my credit profile. While the fraud team was still able to only use last XXXX digits of SSN and zip code to create an account on Experian and unfroze my credit profile. Then, they applied for roughly XXXX credit cards and personal loans.
Consumer complaint received 2022-11-07
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. (MI)

I realised that some of the information on my credit report is incorrect when I checked it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaus to authenticate these accounts ( A ). It is not permissible to fail to authenticate these reporting accounts as unverified information without presenting any proof within the time frame specified by law. My credit report shows the following accounts that need to be examined and repaired due to erroneous reporting in my file : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2022-11-07
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$34000.00}
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX CAP 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 ) XXXXXXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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)

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued presence of these items has significantly affected my life, causing considerable stress and XXXX I must emphasize once again that I did not authorize or consent to the inclusion of this information, as I have been a victim of identity theft.
Consumer complaint received 2022-11-07
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. (MI)

Hello, my name is XXXX XXXX XXXX, and 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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. This creditor has continued to violate my rights and time and again I requested ( XXXX XXXX XXXX ) off from my credit report, and you continue to violate my rights and allowing this fraudulent creditor on my report. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Fraudulent collection Accounts : XXXX XXXX XXXX  Account Number : XXXX Account Opened : XX/XX/2020 Balance : {$420.00}
Consumer complaint received 2022-11-07
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-07
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
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. (MD)

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX XXXX : {$2900.00} - This account currently reports information illegally. An account having a status of 120 days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet you continued to mark this account as 120 days late. I request a thorough investigation and an update must be made with lawful accuracy. Regards. 
XXXX XXXX XXXX Balance : {$16000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXX Balance : {$15000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, SSN XXXX, DOB XX/XX/1966, TO WHOM IT MAY CONCERN : I RECENTLY REVIEWED MY CREDIT PROFILE AND NOTICED INACCURACIES AND/OR INCOMPLETE, INMFORMATION, OR WHICH CANOT BE VERIFIED. ALL COMPANYS ARE BELOW : IT IS ALSO MY UNDERSTANDING THAT UNDER THE FCRA 15 U.S.C. 1681I, EVERY SINGLE ONE EVEN EACH ANY OR ALL OF THE UNPROVEN, NON-COMPLAINT, INCOMPLETE, UNTURE, INCORRECT, AND OR UNVERIFIED ASPECTS OF ANY ALLEGED DEROGATORY ACCOUNTS MUST BE PROMPTLY NEGATED IN ITS ENTIRETY OR THE ALLEGED ACCOUNTS ARE TO BER COMPLETELY DELETED. THE FOLLOWING DEROGATORY ACCOUNTS ALLEGATINS ARE EITHER UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, NOT MINE, NOT MY RESOPONISIBILITY, OR OTHERWISE PRO COMPLAINT TO REGULATORY FEFERAL REPORTING LAWS AND OR STANDARDS AND MUST BE REMOVED IMMEDIATELY THE INFRACTIONS ARE AS FOLLOW BELOW. I AM DEMANDING THAT THIS ACCOUNT BE UPDATED TO PAID AS AGREED AND NEVER LATE.BY THE PROVISION OF THE FAIR CREDIT REPORTING ACT AND PER THE STANDARDS OF REPORTING COMPLIANCE IMPLEMENTED WITH THE CRSA ENACTED XXXX XXXX XXXX CPOMPLIANCE REGULATIONS, I DEMAND THAT THES ABOVE MENTION DEROGATORY ITMES BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. 
SINCERELY XXXX XXXX XXXX
Consumer complaint received 2018-04-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (GA)

For 6 months, since XX/XX/2017, I have been trying to recover funds ( ~ $ 20k ) in my Coinbase account because of lost access to a secondary account email address ( I still have access to my main account email ). I originally filed a support ticket in XX/XX/2017 and have followed up with the support call center 8-10 times since then. Coinbase has never followed up with me regarding the issue, and has never even responded to a single email from me ( I have been assured that the email address is monitored by staff ), and I am only ever able to receive feedback when I call the support call center, which I am told that I am in a queue and there is nothing further that the support team can do for me. I am desperate for progress on this issue and Coinbase seems unable or unwilling to help. Please help me in dealing with this company, I do not know what else to do. Thank you.
Consumer complaint received 2024-10-05
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. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OH)

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.