davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1981 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXXXXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXXXXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-06-06
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-06-06
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. (WI)

This is my second notice. I sent letters to Equifax, XXXX and XXXX with no resolve yet. I asked for my name to be corrected within there system and I sent along a copy of my State ID with the correct spelling of my name. Anything else with my name misspelled should have been deleted along with the charge off accounts. This is effecting my credit and this should have been resolved.
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2023, Experian fraudulently reported that a vehicle, which I did not own, was repossessed. The facts are completely in error, and the credit reporting companies have used my name and information for commercial purposes without my consent. 

I have attempted to resolve this matter, and as of this date, the credit bureaus have either not responded, or they have intentionally refused to provide any documentation to refute my claim, or show proof that my claim is without merit. 

I am prejudiced by this entry, as it is fraudulent, and no company or credit bureaus seems willing to correct their errors of fact. This matter is now more than seven years old and they are still reporting misleading and erroneous fraudulent information. As a result, my car loan interest rate is at an exuberant rate which I need in order to continue to earn a living. I am close to homelessness where I have to choose to find a closer job. 
In accordance with the Fair Credit Reporting Act ( Experian ), Acct No. ( XXXX ), has violated my rights. 15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MA)

Following are the case id XXXX XXXX while checking paypal said this case was resolve in my favour but upon checking i did not receive any refund yet and paypal is charging me {$3500.00} and stated that this is a duplicate credit but fact is that i did not receive single credit yet. Instead of charging it to scammers paypal charging me wrong debit.
Consumer complaint received 2023-06-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ascension Point Recovery Services, LLC (IL)

My wife and I moved to this area in XXXX of XXXX. She was diagnosed with XXXX XXXX, and we moved here because her surgeon was close by this area. On XX/XX/XXXX, we went to the retailer and purchased living room and dining room furniture. The retailer was offering XXXX percent interest for five years on the furniture. We both gave them our drivers license and all pertinent credit data and we told them we both wanted to be on the account because no one survives XXXX XXXX. Some may just live a little longer than others. We were approved, bought the furniture, and it was delivered on XX/XX/XXXX. We were happy with the creditor as we had paid off two large purchases with XXXX percent interest with them in the past. We made all of our payments on time. My wife passed away on XX/XX/XXXX. On XXXX I went to the same retailer to buy a new bed. I gave them my info and said I wanted to buy it XXXX interest financing for 2 years. A few months go buy and all the payments are made on time. But I didnt like the way they applied the payments to principal. I called customer service to see if there was another way they could apply the principal. They asked who I was, I gave them all of the pertinent info on my wife, and myself. The creditor said, You are not on the account, can I speak to your wife. I said no, she died of XXXX XXXX 4 months ago. They said they could no longer talk to me, transferred the call to the deceased division. The deceased division told me the account had to be closed immediately. I said Why, I am on the account. They said No, you are not. I said Really? How can that be? On XX/XX/XXXX I purchased a bed, my wife had been dead for 3 months, and my name is on the invoice. They told me to send in her death certificate, will, and marriage license and told me they would get back to me. On XX/XX/XXXX of this year, I get a letter from a collection agency contracted by the creditor requesting payment in full out of her estate. I called the collection agency once a week for the last month trying to resolve the situation. Each time the call was escalated to the next level. Then I would get a voice mail. EVERY time I left my contact info. I have not heard from them at all. Whats my solution? They reinstate the debt with NO PENALTIES, and I pay the debt off as I have for all of my debts.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

On XXXX I applied for and was approved for a Frontier credit card through Barclays with implied immediate {$200.00} statement credit as well as XXXX miles bonus. However, upon returning from Barclays to XXXX it turns out this is not the case. After calling Barclays it turns out this is a bait and switch. You have to wait for the physical credit card to actually book and get a {$200.00} statement credit. This is misleading advertising.
Consumer complaint received 2016-03-30
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (CA)

They call at all times of the day and night. I repeatedly tell them I am not in the financial position to pay back my student loans but they will not stop harassing me with the same threatening words and of suing. I know as a former student I am fully responsible but I am on a fixed income and can not pay the debts at this time.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have contacted Experian several times about the inability to access my account, the reporting of inaccurate information, and the removal of an inquiry I did not authorize. I have sent letters, spoke on the phone, and submitted online disputes through a 3rd party. I have not received any information or proof of owing certain debts. Also, disputes have been pending over the 45 allowable days with no response. 
XXXX XXXX XXXX is inaccurately reporting late payments for XXXX and XX/XX/XXXX. 
XXXX XXXX XXXXXXXX is inaccurately reporting late payments and balance owed. The late payments are from XXXX and XX/XX/XXXX. The account was closed and paid. 
XXXX XXXX is inaccurately reporting a late payment in XX/XX/XXXX and balance owing. This account was paid and this dispute has been pending over 45 days. 
XXXX is reporting a late payment and I disputed this account for inaccurate information and it has been pending for over 45 days. 
XXXX XXXX XXXXXXXX XXXX has been in dispute for fraud for over 45 days. I have received no information about this account, not even debt validation or accurate reporting to so it is mine. 
I have asked them to remove an inquiry from XXXX XXXX from XX/XX/XXXX because I have not authorized any application from this retailer. 
These mistakes has a direct effect on my ability to receive loans and credit at a lower rate. I have been denied on occasions because of inaccurate information on my credit report.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Exto Inc. (KY)

Last month XXXX I was having trouble getting my card to activate. I was charged a monthly fee but not able to use my card or account. I was told I could get the monthly fee waived but the month had already been charged and it would just make the next one free. XXXX comes and Im charged a monthly fee again. I reach out and support tells me the same thing again. Now here we are in XXXX and Im being told the same information again. Ive asked for a supervisor and Im being told I need screenshots and that the fact I understand the policy and how I was supposed to get a free month both months so far I hadnt its always put off to the next month its a too bad for me situation.
Consumer complaint received 2023-07-15
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} - XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$14000.00} - XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} - XXXX XXXX
Consumer complaint received 2023-06-06
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-07-15
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/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 Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$4200.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (TX)

Cedars Business Services , LLC has sent me multiple harassing text messages regarding a debt purportedly owed to the city of XXXX. I have never traveled to XXXX or purchased anything from the city. They have texted from numerous phone numbers, which I have repeatedly blocked. In many of these messages, they illegally fail to identify themselves as debt collectors. I think some of the communications may have been sent outside the hours prescribed in the fair debt collection practices act.
Consumer complaint received 2023-07-14
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. (CA)

I HAVE GIVEN TRANSUNION ALL SUPPORTING DOCUMENTS TO DELETE THESE INACCURATE ACCOUNTS FROM MY REPORTS, LAST DISPUTE WAS SENT ON XX/XX/XXXX BUT THEY LIKE TO PLAY GAMES AND DO NOTHING ABOUT IT. THEY SAID IN A LETTER THAT THEY VERIFIED, BUT WHEN ASK TO SUBSTANTIATE THEY NEVER DO.. PLEASE HELP ME. I FEEL THAT TRANSUNION IS TAKEN ADVANTAGE OF ME.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (AZ)

Hello, My wife and I have been victims of identity theft. Our accounts were used by an unauthorized individual completing transactions without my ( and our ) knowledge or permission. 

I have discovered in excess of {$5100.00} in illegal charges to my Coinbase account. They were sent to wallets I do not know, or recognize. I do not know how the woman we believe did this, gained access. We worked with her, and had sent standard identification and wire transfer information when we began work as contractors. We discovered the thefts after receiving a press release detailing her indictment from the Department of Justice. 

She appears to have impersonated both my wife, and I. She used both our bank account, and my Coinbase account to send large amounts of XXXX to unknown addresses. Today I received a letter from Coinbase that stated I would not receive any recovery as all transactions are final. 

I did not give this woman permission, nor did I provide my passphrase, private key, recovery phrase, password, or login. I have been told it is possible there was remote software installed on my system, but I do not understand how this happened, and personally have no knowledge of how this would be possible. 

This woman impersonated me, and decimated all of our accounts, including my Coinbase. She deposited and immediately withdrew the funds in an apparent effort to avoid detection. She is now in custody. My wife has filed police and an IC3 complaint with the FBI. 

As Coinbase, and not I, was the agency in control of my account at the time, I filed a claim for Coinbase for crime related insurance recovery ; as a result of the unidentified security breach, at the suggestion of law enforcement. 

Today, Coinbase evasively glossed over this, and did not confirm such insurance was available or existed. To imply that any person could gain illegal access to accounts without protection is illogical, and frustrating. 

I have sent police reports, FBI and department of Justice reports, and ample evidence of serious identity theft that apparently allowed this woman to gain access. 

I am asking for relief, and help in what has been a catastrophic event in the life of my family. 

Thank you
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

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 2023-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

My wife XXXX XXXX XXXX XXXX and I are co-owners of a medical clinic by the name of XXXX XXXX XXXX. We have a business Checking Account with Chase. We use XXXX occasionally to pay for variety of services. On XX/XX/XXXX, my wife received a text message from Chase Bank that XXXX XXXX XXXX was added as a recipient to XXXX. She contacted me and asked me if I had added this recipient. When we both realized that neither of us had added this recipient that this was likely a fraudulent addition, we contacted Chase within a few hours of their text. On XX/XX/23, XXXX payment of {$1200.00}, {$1700.00}, and {$1800.00} was made to this individual from our checking account. We did not add this person. We did not get a prompt from Chase Bank, verifying whether this was a proper addition to our XXXX client list. On our other bank, the first time, when an individual is added as a XXXX client, we get a notification and we approve, that indeed this person was added by us as a XXXX recipient. By the time we reached out to Chase Bank, the person had made XXXX withdrawls and we saw on our checking account that a third transaction was pending.

We called Chase and explained to them that we did not add XXXX XXXX XXXX as a client to recieve XXXX payments and we did not authorize any payments to this person. The fraud team helped us file a claim and mentioned that they would investigate the matter and get back to us. We received a letter back from Chase Bank on XXXX indicating that they had done their investigation and that " we had authorized '' this transaction and as such there is nothing they can do about this. We called the fraud team back on XXXX and mentioned that we did not authorize this transaction and we would like Chase to refund the money that was sent from our checking account without our authorization. The person mentioned that this was not possible. We asked to speak to their supervisor but she apologized but would not refund the money that was removed from our account. 
I am attaching the letter that Chase Bank sent us which contains their response and also the details of the transaction to this complaint.
Consumer complaint received 2023-06-06
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. (IA)

" 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt '' Company is in violation of this
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TAYLOR MORRISON HOME FUNDING, INC. (TX)

Even though I had applied for the loan more than an year back as Taylor Morrison builder required all its customers to apply for a loan and get pre-approval to sign any house contract with them. I never intended to take any loan from them. I then have withdrawn my permission that I gave them on XX/XX/2022 in an email asking them to never again pull my credit without my consent. That email was XXXX and XXXX. I even git acknowledgement from them. But suddenly out of no where, they pulled a hard inquiry on my credit history without my consent. I never intended to take loan from them.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2016 BANKRUPTCY New York Federal XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.