davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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. (TX)

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts, inquiries, inquiries, addresses, and phone # be verified or deleted immediately. 

Accounts TO BE REMOVED : XXXXXXXX XXXX ( FRAUD ) Balance : {$36000.00} Date : Last reported XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : $ Date : {$1000.00} Last reported XX/XX/XXXX, XXXX ( FRAUD ) Balance : {$0.00} Last report Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX ( FRAUD ) Balance : {$730.00}, {$430.00}, {$450.00}, {$740.00} Last reported date : XX/XX/XXXX, XXXX XXXX XXXX ( FRAUD ) Balance : {$3900.00} Last Reported date : XX/XX/XXXX, Dept of Ed ( FRAUD ) Balance : {$4000.00} Last Reported date : XX/XX/XXXX, Office of The Atty GEN ( Fraud ) Balance : {$0.00} Last Reported Date : XX/XX/XXXX Addresses TO BE REMOVED : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Thank You, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/year>24 I sent Experian, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2024-07-24
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. (IL)

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 the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have an incorrect address listed on all of my Credit reports. The address is XXXX XXXX XXXX. XXXX, CA. XXXX. The address belongs to my cousin. Who was the Financial Power of Attorney for my father. I lived with and cared for my father. His address was different from my cousin. I believe that most of his financial matters used my cousins address. Somehow my name was also added to that address. On one report, Experian there is a comment next to the address that says Generational Identifier. Also on one report XXXX. there is an investigation Summary regarding the same address. States that more investigation required. I have documents that show this information. However my printer scanner broke this morning. Can I send an addendum to this complaint showing the information? I just need to have this address removed from all of my files. I never lived at this address. I'm unsure if this mistake will prove to be a problem for my cousin as well. Thank you for your time. Please advise if there is more information needed. The address appears on all 3 of my Credit reports. It was the basis of an identifying phone call to financial lending company when I applied for a personal loan. I answered truthfully that I have never lived at that address. I never realized that the address appeared on the reports. I don't know if that answer could have been problematic or not. Thank you for your help.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681. Section 602 of the FCRA affirms my right to privacy. Additionally, under 15 U.S.C. 1681e ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions. Furthermore, according to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-24
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. (OR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS 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 GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Ive been a member of Coinbase for quite a number of years. On XX/XX/year> they locked my account. I am able to log in but I can not sell or buy my assets. It is completely locked in the hands of Coinbase and they will not release it. 

The first email stated that I had a duplicate account. No problem, it was an old email called XXXX and was attached to a Coinbase account that I forgot I had. So I deleted it. They still locked my account by saying it's because I didn't reply back to the first email. Nonetheless, the account was closed because they requested it. 

I asked them to release my account and now suddenly the new issue is stating that Im accessing my account from XXXX when I'm located in XXXXXXXX XXXX. I told them I am behind a VPN to protect myself because I am paranoid about the internet and hackers. In the uploaded file, XXXX  XXXX, contains a ton of things Coinbase wanted from me in an email to prove that I am operating in XXXX. These things they were asking were so suspicious that I had to contact support to make sure this wasnt a scam email. I provided everything they needed. I am a XXXX Veteran of XXXX  years and I have been using my XXXX and left over savings to invest into Cryptocurrency and I have been doing this for years with them. 

After a couple of months providing that information to them, they said it wasn't enough. In XXXX  XXXX that was uploaded to you, they are now asking about my information on proof of receiving government XXXX and that they wanted documents to support this along with a bank statement showing me receiving this benefit. No Problem, I sent them OFFICIAL DOCUMENTS from my account on VA.gov from my history of serving my country for XXXX  years and from XXXX XXXX  showing them proof that I am receiving this benefit for the last XXXX  years! 

Now they sent me a XXXX email, uploaded to you guys as XXXX  XXXX, saying the documents I sent DOESNT MEET OUR REQUIREMENTS. In addition to it they now want a screenshot of my XXXX account because I mentioned it to them as it was a requirement. My Official bank statement and my VA letter of my XXXX wasnt enough but somehow a screenshot of my XXXX account is needed and valid?? 

Coinbase is harassing me for something that is nonexistent. I am a XXXX Veteran operating by the book and paying my taxes on crypto because I dont want any legal issues. I have been doing everything right just to make sure this never happens. What Coinbase is doing is very shady and it seems very very illegal. Ive never had any bank or any financial management firm ask these things nor PREVENT me from accessing my assets and money. I am under the impression Coinbase is committing Fraud by stealing my account and its assets under false pretenses. 

Please help me. Let me know if you guys need anything from me that will aid this complaint. I've also uploaded my XXXX Letter and Bank Statement. This is so upsetting for me as I am being treated unfairly through financial means.

Kind regards
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I HAVE REACHED OUT TO EXPERIAN AND XXXX AND MULTIPLE OCCASIONS TO REMOVE THE FRAUDULENT ADDRESSES, NAMES, PHONE NUMBEERS FROM MY PERSONAL CREDIT FILE. I HAVE CONTACTED THEM ON MULTIPLE DATES, MAILED IN LETTERS, AND CALLED THEM. THIS IS FRAUDULENT INFORMATION THAT NEEDS TO BE REMOVED FROM MY CREDIT. I AM ASKING THAT ONLY MY XXXX NAME & ACCURATE AND CURRENT ADDRESS BE LEFT ON MY CREDIT FILE, PLEASE DELETE ALL OF THE FOLLOWING INFORMATION DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian / XXXXXXXX XXXX XXXX XXXX XXXX XXXX / Experian / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Experian / XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXXXXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off [ XX/XX/year> ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Good day. Erroneous information is being reported on my credit which is really concerning and it's stressing me out. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's taking a toll on my mental health and I'm facing financial hardships.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

There are several loans reflecting on my Experian credit report stating I have missed payments in which is being reported inaccurately. I have never missed a payment and this needs to be removed immediately. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), a company must obtain written consent from me to report information that may negatively impact my credit score. To my knowledge, the company has not received such consent from me. My XXXX and XXXX credit reports do not show this information and reporting this inaccurately is affecting my credit score negatively. The following accounts are being reported falsely : DEPT OF EDUCATION/XXXX Acct # XXXX Balance {$5500.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATIONXXXX Acct # XXXX Balance {$3600.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX  Acct # XXXX Balance {$5700.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX  Acct # XXXX Balance {$4500.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATION/XXXX  Acct # XXXX Balance {$10000.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATIONXXXX Acct # XXXX Balance {$5400.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATIONXXXX Acct # XXXX Balance {$2300.00} Date Opened : XX/XX/XXXX ; DEPT OF EDUCATIONXXXX Acct # XXXX Balance {$2200.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (PA)

On XX/XX/XXXX  the IRS sent my refund to Cash AppXXXX XXXX  XXXX When the funds never arrived to my account I contacted the IRS on XX/XX/2023 and the initiated a trace after I reached out to Cash App multiple times to have this resolved and all they do is give generic responses that do not help. My tax preparer left the last 4 numbers off of my account number so as to where this money is and why it has not been sent back to the IRS is the mystery. And the fact no one from cash app is able to help is concerning because of the IRS sending out something to them and no one is responding. I need the money returned to the IRS so they can send me out a paper check. After speaking to IRS today XX/XX/2023 and being told they still have not heard a response from cash app and the money still has not been returned and speaking to cash app yet again with no help, I am now wanting to escalate this issue. The IRS sent my refund in the amount of XXXX to cash app on XX/XX/XXXX  and although the account number was missing digits, me and the IRS have made contact to get the funds back and still no money has been returned
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX CO XXXX XXXX Inquiry XX/XX/XXXX, XXXX FUNDING Date of Inquiry XX/XX/XXXX XXXX XXXX AUT Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I started a contract with XXXX ( XXXX ) around XX/XX/XXXX. I didn't believe the service was effective so I called the following month to cancel it. I was informed that only the manager of the local branch could cancel it. I tried to get in contact with the manager at the closest branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) but kept being told that he was unavailable. I left several messages and attempted to contact them several times before finally reaching him in XXXX. He came out to my house for me to explain why I was dissatisfied with the service and verbally agreed to cancel it along with anything that may be outstanding. When he got back to his office, he sent me an email on XX/XX/XXXX stating : " Just to confirm, I have cancelled both the pest control and exclusion agreements as we discussed. Also the remaining balance of the monthly payment plan is in the process of being cancelled. Please disregard any statements you have received and save this email for your records. '' That was 3 years ago and on my XXXX credit reports with XXXX, Equifax XXXX XXXX it shows 1 or 2 late payments between XX/XX/XXXX & XX/XX/XXXX. I filed a dispute with all XXXX of the credit bureaus and sent a copy of the email from the local branch manager, and still it remains on all of my reports. I asked the bureau why, they said that the furnisher of the financing ( XXXX ) said that the information on my report was accurate. Clearly it's not.