davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-06
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. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX XXXX companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2020-09-18
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. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There are various different false collections and auto loans that happen to be appearing onto my credit report and I would like to get them removed... There is one from XXXX XXXX XXXX that was opened XX/XX/2020 that I was not aware of until just recently when I tried to acquire things with credit and saw that my score had dropped tremendously throughout the past few month with out me noticing because I was trying to build it and not spend any credit for the time being as I saved for a home. It turns out the XXXX was repossessed from whoever was the owner but for some reason my credit and consumer report were attacked. I had my information breached onto the dark web a few years back but I had no clue it could get this serious. There is also a collection from XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX  which I would assume is an apartment complex. Thing is i've never lived in this complex it seems like maybe my information may have been falsely used. When i call the complex to ask about proof of Me being the person who signed ( knowing that i wasnt ) they never send me any documentation saying that I was the one who signed a contract ... because I didnt.. I would really like to get both of these removed from my credit and consumer report as its been hindering me from finally getting the home i was ready to put a down payment on and various other things that require credit.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Similar to the last incident that I've reported and probably stemming from the very same issue, i believe that someone else 's account has appeared on my credit and the account was opened at the same time as another previously opened account with a rental property. Im not sure how I can go about getting these removed or getting some proof that this inst me so I cant report it the correct way. My information has leaked on the dark web and experian and various other credit sources have let me know I just wasn't aware of the ramifications of not taking immediate action. Can we please get this removed.
Consumer complaint received 2023-11-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

In XXXX  my co-borrower filed bankruptcy and the loans were placed into bankruptcy and the payments were placed on hold, during the proceedings. Navient told my co-borrower that the student loans could not remain in the bankruptcy and the loans were pulled out of the discharge proceedings. 

Navient Solutions, formally Sallie Mae, currently has a settlement case, Woodard v. Navient Solutions, where they told borrowers/co-borrowers that they could not have private student loans discharged in bankruptcy. They were to provide a list of borrowers to the courts, who were affected. Our names were not shared, even though we qualify for the settlement, according to the criteria listed XXXX XXXX XXXX XXXX ). 

We would like to be added to the list of borrowers affected by their decit.
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

I was an account holder with Coinbase for nearly 7 years. On Friday XXXX XXXXXX/XX/2023 I noticed that I got email indicating withdrawl from my coinbase account for 4 transactions that I did not authorized. I have enclosed 4 transactions as attachments. Hackers hacked into my account and sold crypto currency and transferred money into 2 bank accounts that donot belong to me.I called coinbase within one hour and asked them to cancel transactions and they refused, instead blaming me. Here is their responce XXXX XXXX, Thanks for your patience while we reviewed your case. 

We understand that youve reported unauthorized activity in your Coinbase account. If an unauthorized third party accessed your account, its likely that your email account, password, 2-step verification codes, device, or some combination of these, were compromised. 

Our records show that on XXXX your account was accessed from a XXXX device and the XXXX address XXXX / XXXXXXXX XXXX The unauthorized activity youve reported may have been initiated by a third party who has access to your device, email, password, 2-step verification security codes, a combination of these. 

After gaining access to your account, the following transactions occurred : XXXX, XXXX XXXX  / a withdrawal of {$4900.00} XXXX, XXXX XXXX  / a withdrawal of {$4900.00} XXXX, XXXXXXXX XXXX / a withdrawal of {$4900.00} XXXX, XXXX XXXX  / a withdrawal of {$4900.00}
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

My account was closed by Citi bank sometime in XX/XX/2020. This was a secured credit card for XXXX. When the account was closed Citi bank held the deposit. I made a payment of XXXX on the account before I knew it was closed. Citi bank also kept that payment, giving them XXXX. They are reporting XXXX on my credit report still being owed. When I call to speak with an representative I was told I only owe XXXX on XX/XX/2020. The last statement I received from Citi bank was about XXXX. I was told that I incurred interest of roughly XXXX after I made the payment. How can I incur any interest if my account is closed. This is fraud and they are refusing to discuss this matter. Each time I call the call either disconnects or transferred to a deadline. Please help me.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, we made a purchase in XXXXXXXX XXXX XXXX  The actual amount that was charged to our card was 10x the amount I agreed to. 
We disputed the charge with Amex. We filed a police report, a report with the NM attorney general, with a lawyer, and with the ftc on this store that did the overcharge. We have done everything in our power to prove that this charge was fraudulent. 
The amount was {$30000.00}. We have never made a purchase that large on our personal AMEX and feel like we should have been notified immediately by AMEX and we would have denied the charge and this would have never gotten this far.
Consumer complaint received 2020-09-18
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. (MA)

XXXX XXXX WITH XXXX  FOR {$380.00}??? How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-18
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: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To Whom It May Concern, This is my Third written request for Method of Verification.

Your company has failed to provide me with this information that I requested in regards to the reporting status of an account. You continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB and FTC. As you are aware, per FCRA and the FCBA, that all creditors must be compliant and accurate when reporting information. 
You have failed to comply in a timely matter and continue to violate my rights. How can I be sure that your reporting status of this account is accurate? What Method was used to determine the account status? How did you determine the status of this account? When did your company verify this account and where did your company find its source of verification? Why do you blatantly continue to ignore my requests for this method of verification? 
I demand the following unverified accounts be provided physical verification or deleted immediately. Please Provide Method Of Verification. These unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of Identity Theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. Ive already filed an FTC report. 

The inquiries are : XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX  - XX/XX/2023
Consumer complaint received 2024-09-04
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-11-06
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. (NY)

There are various different false collections and auto loans that happen to be appearing onto my credit report and I would like to get them removed... There is one from XXXX XXXX XXXX that was opened XX/XX/2020 that I was not aware of until just recently when I tried to acquire things with credit and saw that my score had dropped tremendously throughout the past few month with out me noticing because I was trying to build it and not spend any credit for the time being as I saved for a home. It turns out the XXXX was repossessed from whoever was the owner but for some reason my credit and consumer report were attacked. I had my information breached onto the dark web a few years back but I had no clue it could get this serious. There is also a collection from XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX  which I would assume is an apartment complex. Thing is i've never lived in this complex it seems like maybe my information may have been falsely used. When i call the complex to ask about proof of Me being the person who signed ( knowing that i wasnt ) they never send me any documentation saying that I was the one who signed a contract ... because I didnt.. I would really like to get both of these removed from my credit and consumer report as its been hindering me from finally getting the home i was ready to put a down payment on and various other things that require credit.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NJ)

in XX/XX/2023 I reported that my credit cards and bank account were hacked and that there were multiple transactions were made by someone else. I also informed them that I could not pay my bills because thousands were taken from my account. In addition, I have been texting this company because in spite of me telling them this, they were expecting me to make a minimum payment of {$1000.00} which is extremely high because of the fraud charges. I was told I had to make the minimum payment which I could not afford they refused to budge or provide proof that all the charges were all mine. this issue remains unresolved and they continue to report negatively to the credit bureaus
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

HI CREDIT COLLECTION SERVIC ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NC)

Consumer bureau are reporting inaccuracies and refusing to remove the inaccuracies. They are causing harm and interfering with commerce and my ability to trade. Since gold and silver was taken from the people and we do not have any other way to trade except with credit. This has caused severe harm. All companies are conspiring against the people and is violation of 39 U.S. Code 3001 These mailings, which resemble bills or invoices, are, in fact, solicitations for the order of goods or services, as clarified by 39 U.S. Code 3001. 
According to 39 U.S. Code 3001, matter that is in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due, but actually constitutes a solicitation for the order of goods or services, is considered nonmailable. The law requires that such solicitations must bear a clear notice indicating that the mailing is a solicitation and not a bill, invoice, or statement of account due. This notice should be in conspicuous and legible type, in contrast with the other printing on the face of the mailing. As a recipient, I strongly advocate for adherence to the laws and regulations that ensure the protection of consumers and maintain the integrity of the postal system.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I was granted XXXX XXXX fees up to {$100.00} credit and I have renewed my XXXX XXXX membership as it will expire soon. Representative says I have to wait till XXXX, which does not make any sense whatsoever as my XXXX XXXX expires in XXXX. This forces the customer to pay out of pocket ahead of time to avoid getting a fee credit. Very discieving in terms of how the program works and doesn't benefit the member customer at all.