davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NH)

I have an account with Experian.com - Couple different problems with this account. 

They first had the WRONG DOB on file. I have requested for this to be fixed. No one has fixed this. 

They also disconnected my bank account with Experian boost for no reason what so ever and never notified me of this and now I can not get the account to reconnect. I have called and no one is able to assist me with this. 

I also noticed that the majority of my positive accounts and my negative accounts are not reporting on the report because I pulled a my annual credit report and they are reporting on that Experian report. 

Also I was in the process of buying a new car and the dealership told me their is a freeze on my credit file. I tried to lift the freeze via XXXX and they have advised me online their was a error. And when I called XXXX - they said their is no freeze but the dealership is still til this day having issues as I type this to you.
Consumer complaint received 2021-06-02
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: CAVALRY INVESTMENTS, LLC (NC)

In XXXX, an account was opened for XXXX XXXX. The account was paid and a balance of {$490.00} was charged off, but bought by another company- Calvary Portfolio Service . This company is reporting the debt as a new account and it has stopped me from moving to an apartment for a new job. 

In XXXX a catscan was given by XXXX XXXX and my results was not reported to me. I later found out that I had a XXXX XXXX. In XXXX, I had a XXXX and was rushed to XXXX XXXX XXXX XXXX. The XXXX affected my XXXX and XXXX. I suffer from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and other health issues. I am currently seeing a therapist ( XXXX XXXX XXXX for the XXXX and XXXX XXXX 

These XXXX companies are preventing me from moving to another state for a job offer, because they keep reporting the default credit as new. I am at my wits end and do not want to get back in a depressive state. I am already in debt with student loans that were used to get my XXXX degree and pay for living neccesities for my children at the time. ( XXXX - XXXX ). 

I am supposed to start a XXXX position in XXXX, but can not find a living arrangement due to XXXX XXXX and Calvary Portfolio reporting my charged off credit as new. 

I need help!
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 

I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.
Consumer complaint received 2021-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Checking over my report and I noticed some inquiries I dont recognize reporting on my report I have waited for a response for more than 30 days and still yet have not to here anything back please remove this inaccurate information.
Consumer complaint received 2021-06-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MA)

Coinbase withdrew {$990.00} from my Ct XXXX XXXX. ( said they are not liable. )? 
May 10- 12 withdrawals {$190.00} ,5 times. Co. They would have taken more money out if more funds in there. I also filed claim with Ct Banking though i live in Ma. now.

Coinbase has no live person to talk with. Emails are robo auto responses.
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to XXXX XXXX and transunion because my rights have been violated under Federal law. Understand that if these accounts are not removed from my report immediately, I will have to take legal action.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX. I am in the process of applying for a mortgage with XXXX XXXX. Equifax has mistakenly mixed up my brother XXXX XXXX credit report information with mine. As a result, my brothers 2 mortgage accounts 1 ) XXXX XXXX XXXX  with balance {$950000.00} and 2 ) XXXX XXXX XXXX with balance {$290000.00} were included on my credit report. Within the past 2 weeks, we have contacted Equifax more than 6 times. They claimed that the problem was fixed and these 2 mortgages are no longer on my account. However, when I tried to run my credit report on Equifax.com ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) all these 3 reports are still showing my brothers 2 mortgages. The system still identified me as XXXX XXXX with my brothers date of birth, last 4 digits of SSN, current and former address. 
Equifax has sent me a copy of my report dated XX/XX/XXXX ( confirmation # XXXX ). Although the information on this report is correct, my concern is the 3 reports that I pulled on the Equifax portal after XXXX are still showing the errors. 
Equifax is unable to explain the discrepancies. When my lender pulled my combined credit report via XXXX on XX/XX/XXXX, it is still indicating that Equifax is reporting my brothers mortgages on my report. The XXXX Report also indicates that I am AKA XXXX XXXX ( the 2 of us with DOB 6 years apart! ) This has severely jeopardized my underwriting process. 
I have also filed 2 online disputes based on the above incorrect information at Equifax.com. Confirmation # XXXX and # XXXX. Initially, I was able to track the progress but these disputes suddenly disappeared from my online profile 2 days ago. I tried to file new dispute based on the incorrect data on XX/XX/XXXX but the system did not allow me to do so.
Consumer complaint received 2021-06-01
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)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA XXXX XXXX XXXX XXXX XXXX. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2021-06-01
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: EQUIFAX, INC. (NY)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This will make a negative effect on my credit transactions. That's why I want this to be taken care of.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I submitted proof from my bank showing that I was never late/delinquent on my XXXX XXXX XXXX account. I will attach my bank statement from XXXX XXXX XXXX here. I am asking for all of the late payments to be removed. Or for the entire account be removed from my credit file.
Consumer complaint received 2021-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (CA)

I spoke to XXXX in the account collections department. He told me the accounts are closed and charged off. He said that happens when we can't collect on a debt so we write it off. I asked why are the fraudulent accounts still on my report and why are you asking me to pay something in order to change the status of the two accounts. XXXX said, our system shows that " someone '' using your likeness in California attempted to use the account. He said this information is from a different department outside his pay-grade. XXXX said although you have not worked in the US since XXXX, someone obviously used your information to open this account. He said I want to help you so if you just pay something this matter will go away. I told XXXX I will not pay and any charges and use of my name, likeness or social security number is fraudulent. XXXX said they will continue to report the accounts as a negative items and will update it as such going forward unless I agree to pay something. I told XXXX absolutely not. Especially after knowing the account was listed as a charge-off and US bank still wants something. I asked how is that helping the situation when you refuse to hear my concern? XXXX said I'm only in collections. I believe what you're saying but this is my job, to try and collect.
Consumer complaint received 2021-05-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (TX)

This is regarding a car financed though GM Financial. The car was totaled and paid off in 2018. I called GM Financial after I was notified that the insurance and GAP had paid the car off to ask if we owed anything else. The lady said no that everything was taken care of. I thanked them for their help with everything. About 6 months later {$240.00} was put against me on my credit report. 

I was so outdone with this and I called them to get it straightened out. I asked them why this was put on my credit and they said it was fees that was not collected. I told them that I had asked if I owed anything once the car was paid off and I was told no. 

I was never late on any of the car payments. If my son wasn't able to pay it I always paid the payments. My credit is precious to me and I try my best to protect it at all cost. 

I paid XXXX XXXX to clear this up for me and after many attempts of trying they told me to contact you. They were able to convince one of the credit bureaus that this was not owed and they fixed it on their end. 

However, one of them did not fix anything and It's hurting my credit so much. Every-time I get my score back up they put it back on there again and my credit report takes a huge dip. 

If I truly thought that I owed this I would have paid it a long time ago. Please help me with this matter.
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. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2024-08-22
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. (HI)

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 2021-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp. (NY)

I was violated by XXXX XXXX XXXX XXXX. During the year of XXXX  as I was attempting to entering a transaction for a sale of a property. I was informed of a lien on the property by XXXX XXXX XXXX XXXX, for the amount of {$38000.00}. Exhibit A provided show how I was violated by XXXX XXXX XXXX XXXX, pursuant to the fdcpa. Violations 15 USC 1692a ( 5 ) ( 6 ), They alleged I was the consumer of the debt also they were/or is acting as debt collector even though they are a law office. Violation 15 USC 1692b ( 5 ) Not use of language that indicates that the debt collector is in the debt collection business. Violation 15 USC 1692e ( 1 ) ( 2 ) -- False representation that XXXX XXXX XXXX ARE affiliated with the State of New York. Violation 15 USC 1692 ( 1 ) ( 2 ) XXXX XXXX XXXX reported inaccurate and negative on my credit reporting file, that made it hard to obtain credit. Violation 15 USC 1692h and Violation of 15 USC 1692j. Violation 15 USC 1692d ( 1 ) ( 2 ) obscene language and threats.
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I am a long-time customer at Chase Bank. On XX/XX/2021 unknown persons gained electronic entry to my business account. Those people made 3 separate ACH withdrawals totaling {$15000.00}. I went to my local Chase Bank, reported the fraud. Chase closed the old account, opened a new one, and credited {$15000.00} to my new account. 
On XX/XX/XXXX, unknown person gained electronic entry to new account taking {$9000.00}. Went back to Chase and reported theft. On XX/XX/XXXX, unknown person again gained electronic entry to same account and stole {$4000.00} electronically and another {$1500.00}. I went back to Chase again. On XX/XX/XXXX, Chase credited the amounts stolen. On XX/XX/XXXX, I went to Chase and opened a savings account, where no on-line access was allowed. I put in {$10000.00} into this account and on XX/XX/XXXX I put another {$5500.00} into this account on XX/XX/XXXX. 
On XX/XX/2021 Chase Bank took back of of the credits they gave me as a result of the theft and did not notify me of this. I went into Chase on XX/XX/XXXX because I saw my business account was overdrawn by {$15000.00}. Chase told me they could not find any evidence of fraud and were taking back the reimbursements they gave me. The fraud department refused to give me any additional information. 
I never opened an ACH account for bills to be paid from my business checking. I don't know who stole my money, or why the Bank won't give the information. The people I have dealt with at Chase were XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
XXXX XXXX helped me to file a complaint with Chase bank account. 
This is ruining my credit and my small business. 
The Bank won't give me information and never sent me any notice.This is just wrong.
Consumer complaint received 2021-05-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

on or about XX/XX/XXXX XXXX XXXX put on my credit report a charge off for {$4000.00} dollars i do not owe XXXX XXXX any money and i want this off my credit report and i had a XXXX credit score and this situation dropped my credit score down to XXXX so i am making this formal complaint of unfair business practice 's especially in theses difficult times i take pride in my credit and i feel there is malfeasant 's going on at XXXX XXXX!!
Consumer complaint received 2021-05-20
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: EQUIFAX, INC. (MI)

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten anything in response please remove this inaccurate inquiries information 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 XXXXEquifax XXXX XXXXEquifax XXXX XXXXEquifax XXXX XXXX-Equifax XXXX XXXX-Equifax XXXX XXXX XXXXEquifax XXXX  XXXX-Equifax XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXXEquifax XXXX-Equifax
Consumer complaint received 2021-05-21
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: CITIBANK, N.A. (FL)

I was a victim of Identity theft and a result of that several account has been reported in my credit report that are fraudulent and not mine i have send THESE COMPANY all documentation of the illegality of these accounXXXX XXXX XXXX ... 
BEST BUY/CBNA XXXX 
XXXX  XXXX XXXX .... 
XXXX XXXX XXXX XXXX ... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXXXXXX ... 
XXXX  XXXX XXXX XXXX ... 
XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (VA)

I paid a debt in full of {$560.00} from AWA ( Adler Wallach & Associates ) Collections on XX/XX/21 since then they have not removed the debt from my credit report as promised or updated the amount. I called multiple times and they have hung up in my face, I've asked for a manager they say there are non available. They claim that the debt would be removed in 60 days nothing has changed on my credit report, and they have no answers of why.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (MI)

In early XX/XX/2021, I applied and was approved for a US Bank XXXX XXXX XXXX. However, I did not receive the card until towards the end of XX/XX/2021, and I was interested in spending {$1000.00} within the first 3 months to obtain the welcome bonus offer. I called US Bank credit card customer service around XX/XX/2021, and was told by a customer service representative that I will have 90 days from " the day the card is activated '' to spend the {$1000.00} which would put a deadline around XX/XX/XXXX. I relied on that information. In early XX/XX/2021, I called again, and was told the same thing. Later during the call, the customer service representative retracted on their words and started saying it's 90 days from the day the card was opened. 

I have spent the necessary amount, {$1000.00}, in accordance with what the customer service representative told me, that is, within the first 90 days of the card 's activation. They provided incorrect information, and am now claiming they can't issue me the welcome bonus offer. I should, in no way, be responsible for erroneous information that US Bank, themselves, provided. 

I request that the full welcome bonus offer be sent to me immediately. This is entirely US Bank 's fault, and they should be responsible.
Consumer complaint received 2021-06-01
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: DriveTime (NC)

There are unknown hard credit inquiries listed on my credit report by DT CREDIT, that I have no knowledge of with dates of XX/XX/XXXX and XX/XX/XXXX. DT CREDIT company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-05-21
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. (NV)

I checked my credit report and noticed XXXX XXXX opened on XX/XX/2021 for {$1400.00} under the name of XXXX XXXX XXXX with a monthly payment of {$120.00}. I already disputed it twice and it just comes back with update. I haven't made any new accounts this year, nor have I gotten a loan. The last account I opened was with XXXX XXXX last year, so I don't understand how this new account opened. Let alone with my information. I haven't called the company directly because I'm afraid it may be a scam. Please fix this issue, I've already taken precautionary routes such as changing my passwords, and locking my credit file because I don't know how this bank got my information when I haven't opened any accounts nor bought anything nor asked for a loan this year. The last account I opened was XXXX XXXX last year, and the last time I asked for a loan was with Oportun which I just finished off paying recently.