davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
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. (AL)

XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am required to submit a picture ID, a bill, and a letter from an advocacy group supporting me due to XXXX XXXX related to human XXXX, as defined under XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I respectfully request that you remove this information from my credit report within four business days, in compliance with Section 605C of the Fair Credit Reporting Act. I have provided my identification and the required documentation from the list of acceptable items, which, as per the law, only requires two documents. Additionally, I have included all necessary documents, including a victim determination letter in accordance with Rule 1022.142 ( b ) ( 6 ).
Consumer complaint received 2018-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I received two emails from a source named, " XXXX '' on XX/XX/2017 regarding two " trial periods '' for products ordered in the amounts of {$69.00} and {$79.00} to be deducted from my debit card account. It stated that the order number was XXXX and " XXXX XXXX   will appear on my credit card statement for one charge and XXXX XXXX   XXXX will appear for the other. 

I immediately emailed them back advising them that I did not order or authorize a " trial period '' in the amounts they specified and that this appears to be " fraud '' on their part for these transactions. 

They immediately emailed me back cancelling the " trial periods ''. I contacted my bank and filed a claim to have the monies returned to me. The bank says that I received the two products. I then recalled several months earlier requesting a product and ordering it for around {$24.00} and authorized that payment. I did receive the products, never used them because I never received an acknowledgement by email or mail of the order nor were they charged to my account. 

I return what I received back to where it came from when I discovered that there may be a connection between the transactions. There was not a name on the box I received with the two products. I advised my bank that the products I received ( still don't know where they came from ) were returned unused and they contacted the two organizations who said they had been used.

There are two issues, as I see it. They can not produce a document or an email which states I ordered a " trial period '' and they sent me a " confirmation '' of the order at the prices they deducted from my account. They cancelled the trial period and I sent them back the products unused. My account should be credited back the amount deducted. 

I was curious about the two company 's and who they are. My research reveals one company ( XXXX ) only has one product, called XXXX, a brain-fortifying product and has no connection to the products I received in the mail. The other company, XXXX XXXX is an IT company. So why would they be receiving a separate payment for these products. Something is not making business sense.
Consumer complaint received 2024-08-05
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. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-05
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. (AR)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I originally had debt with XXXX XXXX XXXX. A third party company called Portfolio Recovery , LLC bought my debt from the company. I have previously asked the company to stop calling, but that was unsuccessful. They call me everyday, numerous times a day, from a wide variety of phone numbers with different area codes. I have an estimate of 30 different numbers that they call from blocked on my phone and they just call from a different on an average of 5 times ( minimum ) everyday. I purchased this furniture in XX/XX/2009 and am still being harassed by the debt collection company.
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: North Shore Agency, LLC (KY)

XXXX made an error on my account, stating I didn't turn in my hardware equipment and tried to bill me for it and sent the account into a collection agency ( North Shore Agency ). 
this was posted on my credit score in XXXX  and negatively impacted my credit score, dropping it from a XXXX credit score to a XXXX credit score. Numerous calls from North Shore Agency bothering me about this and me having proof of all bills paid in full and hardware equipment being dropped off to a XXXX location with the date and tracking number, serial numbers of the equipment being returned to XXXX.
Consumer complaint received 2018-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is my second complaint about Capital One, Previously Ive made numerous attempts to get credited for charges by someone else who used my card with no avail from Capital One. 
I paid Capital One in full, so I am currently at XXXX balanced due. 

My computer was hacked in XXXX my credit was in jeopardy, someone intended to open accounts in my name. And I lost money because my credit card had been used. 
So one day I closed my Capital One online profile ; not knowing that Capital One was going to block me, and locked access to my available credit. 
Ive tried multiple times to restore access to my available credit but Capital One said that my account had been closed by me ; but it wasnt true since Capital One kept charging me interest. 
I became more unhappy after seen that Capital One have had charged me XXXX . Even though my balanced was XXXX, and I was denied of the privilege to access my well earned credit. 
I was a customer of Capital One for at least 10 years if not more. 
My Capital One card ends in XXXX expires XX/XX/XXXX Capital One replied to my previous complaint and furnished someone elses credit statement including name last name and home address. 
That makes me uneasy.
Consumer complaint received 2018-09-10
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. (MD)

I sent out 4 different letters dating back as far XX/XX/XXXX to XXXX, XXXX and Experian the latest being XX/XX/XXXX and another one I am sending out today XX/XX/XXXX. I wrote to XXXX, XXXX and Experian to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as " verifed accounts ''. Therefore, since they failed comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. XXXX  has not provided any documentation, they did not confirm who verified the information or what company. They have refused to remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Both Bankruptcies XX/XX/XXXX/XX/XX/XXXX even after I provided a letter from XXXX XXXX and the local Bankruptcy court stating they dont report to Bureau 's so how can XXXX, Experian and XXXX not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else. I called and spoke with a lady named XXXX today XX/XX/XXXX ( XXXX ) to inquire about my recent notices-she stated they do not remove things from my credit report and to file a police report.
Consumer complaint received 2018-09-10
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. (MD)

I sent out 4 different letters dating back as far XX/XX/XXXX to XXXX, Equifax and XXXX   the latest being XX/XX/XXXX and another one I am sending out today XX/XX/XXXX. 
I wrote to XXXX, Equifax and XXXX to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as " verifed accounts ''. Therefore, since they failed comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. XXXX has not provided any documentation, they did not confirm who verified the information or what company. They have refused to remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, Both Bankruptcies XXXX even after I provided a letter from XXXX XXXX and the local Bankruptcy court stating they dont report to Bureau 's so how can XXXX, XXXX and Equifax not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else. I called and spoke with a lady named XXXX today XX/XX/XXXX ( XXXX ) to inquire about my recent notices-she stated they do not remove things from my credit report and to file a police report.
Consumer complaint received 2018-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX XXXX XXXX refunded me my purchase of a ticket for customer service issues. NAVY FEDERAL CREDIT UNION has yet to issue me a check for the funds from the credit back to my closed account. This is the same account whom they contacted you the CFPB, and told you that they credited a XXXX USD credit back to my account and waived it and told you my account was officially closed. This credit was issued back to my account shortly after NAVY FEDERAL CREDIT UNION issued a message to the CFPB about this same account being officially closed with me owing them NOTHING. I contacted them on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and each time they told me debit card services processed the check and sent it out and the truth was THEY NEVER SENT IT OUT. I am writing for them to be required to send it out because they don't have any reason to hold my check and they even told the CFPB this in there statement in response to my previous complaint last month.
Consumer complaint received 2018-01-25
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)

The following inquiries are on my Experian report. Yes these inquiries were made by me. However, the first one was supposed to fall off XX/XX/XXXX and still remains. Also the other two is due to fall of XX/XX/XXXX and XX/XX/XXXX.

1 ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX  ) XXXX 3 ) XXXXXX/XX/XXXXXX/XX/XXXX-Removal date Credit Card - Finance Company XXXX XXXX XXXX  XXXX XXXX, TN XXXX ( XXXX ) XXXX
Consumer complaint received 2018-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Case # XXXX. My name is XXXX XXXX and this complaint is regarding an outgoing wire that was I was told would occur on XX/XX/XXXX. OnXX/XX/XXXXI wired XXXX USD to Coinbase XXXX from my XXXX account which is under the name XXXX XXXX ( this is my maiden name ). The federal reference number for this wire was XXXX. On XX/XX/XXXX Coinbase sent me an email informing me that they did received the wire ; however, due to a name mismatch ( my maiden name vs my married name ) they would be reversing the wire. 

It is nearly 20 days later and my wire has not been reversed. I have followed-up with them on the status of this matter multiple times ( at least 10 ) to no avail. I have conducted multiple wires during the course of my lifetime and never has it taken longer than 3 days. Normally 1 to 2 days. 

Not only has it been nearly 20 days since I was told that I would receive my wire and have not received my wire, but they are grossly negligent in their communication. On 2 occasions I have been sent an email saying that they will have someone look into the problem with absolutely no follow-up or accountability. This concerns me because if you look on social media and the internet at large ( I am certain that you 've received other complaints ) Coinbase has a history of taking peoples money ( not giving them access via account freezes, or wire disputes ) for VERY long periods of time without any communication. This is completely unacceptable and I have never experienced such blatant disregard by a financial institution of their fiduciary responsibility. This is borderline grossly negligent. Please keep in mind that the while I have been waiting for 20 days, there are others that have had this problem for months.
Consumer complaint received 2018-01-25
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. (OH)

XXXX XXXX XXXX : open date XX/XX/XXXX/Item disputed by Equifax in the amount of XXXX $ item comes back verified by Equifax. 

XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ item comes back verified by Equifax. 

XXXX XXXX XXXX : open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax XXXX 

XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX/Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax XXXX XXXX XXXX XXXX open date XXXX XXXX, XXXX Item disputed by Equifax in the amount of XXXX $ /Item comes back verified by Equifax All these accounts are fraudulent due to identity theft I have sent police reports and affidavit to Equifax, XXXX XXXX and XXXX  Equifax is the only company that has not removed fraudulent accounts from my profile.
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (AZ)

US Collections West is currency reporting on my credit report fraudulently in the amount of {$2400.00} as of XXXX XXXX, 2018. Ive made several attempts notifying them that this account needs to be deleted. I obtained documentation from XXXX XXXX Courts stating that the file was destroyed and I owe {$0.00}. The documentation will be attached to this complaint.
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy at which time both myself and my lawyer attempted to reaffirm my mortgage and OCWEN did not respond to the many requests we made. They then reported my mortgage as past due to the 3 credit bureaus and stopped reporting any of my payments. I filed a complaint with this agency ( CFPB Case Number XXXX ) OCWEN review my mortgage in answer to the complaint and though they did not reaffirm the mortgage, they did admit that the mortgage was current, they supplied a detailed account of the mortgage activity for the previous 33 months and confirmed that as of XX/XX/XXXX " the account is contractually next scheduled forXX/XX/XXXX. '' On XX/XX/XXXX I received a certified letter of foreclosure in the mail from OCWEN stating that they had not received my XXXX nor XXXX payment. I also subsequently received 3 more notices stating that my house was in danger of being foreclosed due to non-payment of my mortgage.

I have spoken with 2 individuals at OCWEN who are insisting that my mortgage is not current, one said that it was 2 months behind and the second one said that it was one month behind. My last conversation on XX/XX/XXXX I informed the individual that my mortgage was current and requested that they send me confirmation of that in writing within 5 business days and I have not received a reply. 

My mortgage is current. I have the reconciliation of my mortgage account OCWEN provided showing the mortgage current through XXXX, I have a print out from my bank account showing all the payments that were made electronically and I have all the monthly statements from OCWEN showing the payments being received. 

I do n't know what happened in XXXX, but it looks like someone went in and misapplied payments on my account back to XXXX and that created a problem on my account and they are unwilling to admit that they are at fault, or they have deliberately done something to my account to try to fraudulently foreclose on my house for non-payment. 

My mortgage Is not behind, it is current, the next payment is due XX/XX/XXXX and would like OCWEN to immediately stop this nefarious activity against me.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>