davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (CO)

Back in XXXX I was in need of a graphics card but every I looked they were either too expensive due to scalpers or sold out. After hours of searching I stumbled across a website called XXXX  and they had what I was looking for at a price point that was too good to be true. The lowest you could find it for was about {$2000.00} but they were selling it for {$1400.00}. I got extremely excited and made the purchase through PayPal. Then minutes after doing some research I read reviews stating that this website is a scam. I tried calling the number provided but the number was fraudulent, I even tried emailing the company but received an email stating that the email provided was not real, there was even an address on the website and after searching the address it comes up as an abandoned building it appears. This person has even provided PayPal with a fraudulent tracking number. And when you thoroughly look at the tracking number you can some discrepancies. And when I mad the purchase I was also not charged for taxes or shipping which I find weird. Ive contacted PayPal numerous times and they have not done a thorough investigation.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: MIDFIRST BANK (MO)

I sent your XXXX XXXX my dispute on XXXX, 2022 to validate the permission I gave to report inaccurate amounts and share my information with any third party reporting. I need for this to be properly investigated and stop reporting on my credit without my permission. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you and my signature 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

6 ) Was there a release signed that gave you permission to share my information. 
I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have been a loyal customer of Bank of Americas for over 20 years. Yesterday, I went into the branch to cash a check and was told by a representative that funds would not be available until the next day. Later in the day, I deposited the check via the mobile app. Upon making the mobile deposit, a notice appeared on the screen saying that {$250.00} of the check would be available the next day and the remainder of the check would be available the day after that. It asked if I would like to proceed and I clicked yes. To my surprise, I checked my account the next day to learn that the check was now being held until XX/XX/XXXX. Roughly two weeks later. Similarly, I deposited two {$500.00} money orders within the last month and they both were held in excess of two weeks. I always thought that money orders were as good as cash. Its mind-boggeling how these checks and money orders are being held for excessively long periods of time on my accounts and this just became the case. In the past, I could walk in and cash checks or deposit for next day availability. I have in excess of {$6000.00} being direct deposited monthly. I do not feel like a valued customer and I do not know of any other bank falsely advertising holds on checks and changing the dates once the checks have been deposited. I am strongly considering ending my banking relationship with Bank of America. Debits have been denied due to these holds and its costing me fees due to these transactions being denied because Bank of Americas hold. With all the modern technology of todays society, I dont understand why it takes two to three weeks to clear a check besides cause undue hardship.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

XXXXCaine & Weiner reported to XXXX, and XXXX a debt of {$700.00}. I am unaware of such debt. The creditor failed to contact me prior to placing such derogatory remarks on my credit file. It failed to follow the Fair Credit Reporting act prior to report such to the credit bureaus. Please delete the item from my credit report.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act XXXX  these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Account Name. Amount 1. XXXX XXXX XXXX {$18000.00} 2. XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX XXXX. {$990.00} 4. XXXX XXXX XXXX. {$610.00} 5. XXXX XXXX {$480.00} 6. XXXX {$410.00}
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (IN)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Equifax has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

The information in question are listed below. 
XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX in amount of XXXXXXXX XXXX XXXX XXXX in amount of XXXX
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CT)

While setting up and online payment for property tax for the city of XXXX, CT. I was instructed by Citibank 's website to accept the mailing address in their system. The result of this acceptance the tax payment went to the city of XXXX, IA. There were two separate payments one for XXXX on XX/XX/XXXX and one for XXXX on XX/XX/XXXX. I request proof of payment from Citibank when I was informed that my tax payments were late. I brought the proof of payment to the controller office in XXXX. There was no information on the proof of payment that would allow the controller 's office to locate the funds. It was with the assistance of the bank manager that we discovered the payments actually was setup to be delivered to Iowa. I contacted Iowa 's Mayor and City Clerk, they could not find any funds matching those amounts on those dates. I went back to the bank manager explaining that I needed the actual bank account or bank name and address so that I could give the City Clerk more specific information. Again I was given a report of the Electronic Transfer without any reference to any account in Iowa. With the bank managers support we requested a funds return due to the funds not being deposited by the correct payee. I was sent a letter that stated it was too late to request the funds be return and that I should contact the payee directly. At this point I reported the transactions as a fraud case, since Citibank was convinced the monies had been transmitted correctly and the payee claimed they never got the funds. I was hoping that a fraud investigation would reveal the account where the funds were deposited. However the fraud investigation concluded the Citibank had transferred the funds correctly and there was not fraud and that if I wanted to get the funds return I would have to contact the payee. The bank manager then escalated the case to his manager but so far no one at Citibank seems to have the skills to investigate their own database, trace the payment and find the account where the funds are sitting,
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have been a victim of Identity Theft multiple times, I have been a victim of multiple data breaches where my information was leaked by XXXX, Equifax, and XXXX 
As a result of irresponsible handling of my information has lead to new fraudulent accounts being opened and fraudulent transactions taken place. All have been reported. I have filed disputes over the fraudulent material and XXXX is the only reporting agency who refuses to remove all the fraudulent accounts from my credit report. Other agencies have removed some of the accounts but not all accounts. Again there are fraudulent accounts on my credit report that XXXX claim are my responsibility. They are fraudulent and have been reported to the FTC as fraud. This is costing me opportunities for housing and negative information is being reported to credit agencies. Costing me credit accounts, bank accounts, and housing.
Consumer complaint received 2024-08-23
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. (PA)

I have been a victim of Identity Theft multiple times, I have been a victim of multiple data breaches where my information was leaked by XXXX, XXXX, and XXXX 
As a result of irresponsible handling of my information has lead to new fraudulent accounts being opened and fraudulent transactions taken place. All have been reported. I have filed disputes over the fraudulent material and XXXX is the only reporting agency who refuses to remove all the fraudulent accounts from my credit report. Other agencies have removed some of the accounts but not all accounts. Again there are fraudulent accounts on my credit report that XXXX claim are my responsibility. They are fraudulent and have been reported to the FTC as fraud. This is costing me opportunities for housing and negative information is being reported to credit agencies. Costing me credit accounts, bank accounts, and housing.
Consumer complaint received 2021-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CO)

On XX/XX/21 my Coinbase account was hacked. About {$1100.00} bitcoin was stolen and another {$2000.00} was taken from my attached bank account ( XXXX XXXX ). 
My cell phone number was hacked ( I used Coinbase 2 step authentication ) so the hackers could get access to my Coinbase wallet. 
I was able to get the {$2000.00} back from XXXX XXXX, but I lost the Coinbase money and my cell phone plan was paid up for a year, and I lost that. 
I tried to contact Coinbase by phone but couldn't reach anyone, so I went to their online support center and was told that my computer was probably hacked or I was " fished '' by a phony email ( I know this was not the case ) Coinbase was the only company that had my cell number, I believe this attack was probably an inside job, but I'm not an internet expert. 
Coinbase then wanted me to the re-sign up with my social security number and drivers license images to regain access to my empty account. I won't do this because I don't trust them. 
I've resigned myself to the fact that Coinbase lost my money, and I just want to warn anyone else not to trust them. 

XXXX XXXX XXXX, Colorado
Consumer complaint received 2024-08-23
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. (NC)

I XXXX XXXX SUMMITED 2 FORMS OF identification Proof of address ALONG WITH FTC AFFIDAVIT ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ;
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" 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 2022-06-14
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)

I XXXX XXXX XXXX Filed a complete and Accurate Dispute with XXXX XXXX and Experian letting these credit agencies know that Im a victim of identity theft and I demanded them to remove all credit inquiries I also demanded XXXX to remove a fraudulent collection from my personal credit report in the amount of {$4400.00} from XXXX XXXX XXXX and all inquiries which are fraudulent which I sign in and demanded a dispute so XXXX are aware Of the Dispute XXXX did not investigate nor did they remove that fraudulent account from my personal credit report After sending in a Filed police report theft affidavit driver license and proof of address XXXX also acknowledge the receipt of my documentation however XXXX did not remove or block that information from appearing on my personal credit report According to 605B after a knowledgeable of documentation those items are supposed to be blocked from appearing on my personal credit report Currently as a XX/XX/2022 The judge ordered XXXX and Experian to pay me {$1000.00} per violation XXXX is still failing to remove those fraudulent items and collection and anchorries as I stated before now this situation is going into XXXX XXXX Also Experian is still reporting negative and fraudulent information Accounts are : ( 1 ) XXXX XXXX ( 2 ) Possible finance in amount of {$970.00} Also ( 3 ) XXXX XXXX also Experian is reporting fraudulent and inaccurate late payments From possible finance XXXX & XXXX XXXX  Also Experian did not remove XXXX XXXX XXXX. XXXX  XXXX from my personal credit report which is fraudulent according to the fair credit reporting section 605B any consumer that identifies identity theft shall demand Credit agencies to remove or block that information from appear on their personal credit report however XXXX and Experian Failed to protect my consumer rights Also XXXX  did not complete a Full investigation banks that are being fraudulently Reported is XXXX XXXX XXXX XXXX  And all inquiries Which check systems is already aware of and I have already supplied documentation and FULL COMPLETE dispute
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (FL)

I have been trying to dispute inaccuracy reporting on my Equifax credit report without success! This account in question ending in XXXX with XXXXXXXX XXXX has already been successfully removed from XXXX, XXXX and XXXX credit reports! I have the right for 100 % accuracy on ALL major credit bureaus. My last payment reported is XX/XX/year> which means I have legally past the 7 year statue of limitation and this account must be removed from Equifax credit report as other credit reports have already removed this account!
Consumer complaint received 2024-08-23
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. (NY)

This company tried to collect money from me but i didnt recognize this company, another person use my identity for this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company tried to collect money from me but i didnt recognize this company, another person use my identity for this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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. (CA)

I sent a letter on XX/XX/XXXX to remove these incorrect name : XXXX, XXXX, XXXX, erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX, and fraudulent account : XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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.