davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MI)

A notification was sent from American Express that they would be reviewing my credit limits for account ending in XXXX. It did not indicate that the account was overdue and upon checking with the organization and online at all accounts, all accounts were current and the next payment is due XX/XX/2021. The accounts are on autopay and as my husband had closed his checking account, I paid with my account for the Amex account ending in XXXX. The following payments were made for each account : XXXX- XX/XX/2021 {$100.00} XX/XX/2021 {$230.00} XX/XX/2021 {$140.00} XX/XX/2021 {$160.00} XX/XX/2021 {$180.00} More payments are on record and indicated that the accounts have been current and paid on time and never late. No attempts were made minus 1 instance that payment was due in which it was paid through another bank account. 

Account XXXX- XXXX  XX/XX/2021 {$500.00} XX/XX/XXXX, {$6.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$240.00} XXXX XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$310.00} There was no notification that cancellation or closure would occur, as well as no communication as to why. The organization did not ask for additional objective evidence from me as to how to keep the account open, nor did they notify me that this would be the outcome. The accounts were always in good standing and not overdue. They had been paid on time and did not offer additional options to even keep it open. Given the cardmember agreement, this violates their own terms as well as the fair credit act reporting guidelines to unjust treatment. This evening at XXXX XXXX  on XX/XX/2021, Amex offered to reinstate or review reinstatement if I just paid them $ XXXX more on an account. Given that the account is not due until XX/XX/XXXX and the payment was just made, I denied to do so, as none of the accounts are overdue or are above the credit line. There was no notification of adjustment to credit line either during this time.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims never was an investigation conducted I have firmly asked Help never got it
Consumer complaint received 2017-08-21
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Equitable Acceptance Corp (VA)

I was initially contacted by a company known as XXXX XXXX and/or Equitable Acceptance who wanted to consolidate my loans. The original conversation was about how they would pay the loan and I would see and instant improvement in my credit score and then I could make one low monthly payment to their company. I am a struggling single mother of XXXX who could use all the help I can get so I signed the needed paperwork and began making payments to this new company, XXXX XXXX. I made payments for about 2 years and recently my original loan company contacted me stating that I was late on my payments. I told them I had been making payments for the past two years, to which she replied " There has been no payments made towards this loan. '' ( I had been in the period between ending school and beginning my first payments due to low income so this is why they were just now reaching out to me. ) I began to question both companies about why I am paying two different companies for 1 loan. I did lots of research online and called to speak with XXXX XXXX XXXX where I was belittled and threatened that if i ceased payments my credit would be negatively affected. The woman I spoke with that day even said to me " What are you now , XXXX XXXX XXXX?! '' once I told her I was trying to research what has happened. Since then I am continuously getting emails and calls threatening my credit and advising me to contact their collection agency.
Consumer complaint received 2023-04-11
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. (TX)

Re : IRS 1099-C Form Received for XXXX Account in Dispute I contacted the three major bureaus, Equifax, XXXX, and XXXX, and they did not respond for more than 45 days, despite three attempts to contact them via mail. 

XXXX sent me the last letter on XX/XX/XXXX, and I haven't heard from Equifax or XXXX since. 

XXXX XXXX ( XXXX ) agreed to let me settle my account for {$5000.00}. I received a 1099-C for Debt Cancellation for the remaining {$10000.00} balance, which will be reported as additional income on my XXXX federal income tax return. 

This XXXX account is currently listed as " Paid '' on XXXX but " Derogatory '' on XXXX and Equifax. 

When I sent my dispute letters to these XXXXhree major bureaus, I attached the settlement documents I had with XXXX, and it appears that they just trashed it. 

I am aware that federal law requires these three major bureaus to respond within thirty ( 30 ) days, but they have not. 
I understand that the Federal Trade Commission investigates credit reporting agencies that fail to comply with these federal regulations ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with them in order to file a complaint with you. 

I tried to remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov 14,1995 ), they could be held accountable for willful non - compliance. 

Please keep the following dates in mind when I sent them my dispute letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Your assistance will be greatly appreciated, as their negligence and noncompliance have a negative impact on my profile.
Consumer complaint received 2024-09-11
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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)

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX  Transunion and XXXX, I immediately noticed unauthorized inquiries and fraudulent credit accounts on my report. 

I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate demand to remove all disputed inaccurate accounts and home addresses as listed from my credit report and ensure that your systems maintain the correct information. 


INCORRECT ACCOUNT INFORMATION Creditor Account Number Reason XXXX XXXX XXXX Never Applied for XXXX XXXX XXXX XXXX XXXX Never Applied for XXXX XXXX XXXX XXXX XXXX Name Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing or any that I am not aware of or have authorized to do business with. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2021-08-04
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. (CT)

I have these accounts that does not belong to me and want them to be removed from my credit report asap. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft THD/CBNA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft MACYS/DSNB Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft THD/CBNA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BEST BUY/CBNA Account Number : XXXX This is not mine. 

5. Identity Theft MACYS/DSNB Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-09-11
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. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-11-15
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These were not authorized by me.
Consumer complaint received 2024-07-26
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. (GA)

Account # : XXXX XXXX XXXX  Request for Deletion of Unauthorized Late Payment Account from Consumer Report** Dear Experian Consumer Relations, I am writing to formally dispute an unauthorized account that has been continuously reported on my consumer report by your agency. I have previously requested documentation as required by law, but have not received a satisfactory response. According to the law established by Congress, this account should not be included in my consumer report. **Legal Exclusion : ** Under **15 U.S.C. 1681a ( 2 ) **, the term consumer report does not include information solely regarding transactions or experiences between the consumer and the person making the report. My transactions or experiences with your company are, by law, excluded from my consumer report. Therefore, I request that this unauthorized account be deleted immediately from my report. **Late Payment Reporting : ** I further question the legality of reporting a late payment without proper compliance with **15 U.S. Code 1666b**. This statute stipulates that a payment can not be deemed late unless reasonable procedures ensure that each periodic statement, including the information required by **Section 1637 ( b ) **, is mailed or delivered to the consumer at least 21 days before the payment due date.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-08-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

XXXX Coinbase allowed me to send {$5.00} ( and change ) in XXXX to a hardware wallet. 
I attempted to send {$2900.00} ( and change ) of XXXX to my hardware wallet and it prompted me to verify my account. I attempted to verify my account three times using my driver 's license which is the same ID in which I opened the account with. Coinbase declined verification 3 times and proceeded to disable my account.

I filed a complaint with Coinbase, in return I have received automated emails with no actual resolution or promise of one. I am currently still locked out of both my Coinbase and Coinbase Pro accounts with no access to any of the funds.
Consumer complaint received 2024-07-26
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. (CA)

According to 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 an account without my written instructions. Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS. ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report. Also, it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information 15 USC 6802. Nonpublic information means- personally identifiable financial information provided by a consumer to a financial institution resulting from a any transaction with the consumer or any service performed for the consumer 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 : " As a financial institution, [ Furnisher of Information to Credit Agencies ] must adhere to these obligations. My financial history on Experian, Equifax, Trans Union is not public information and should not be furnished on my credit report. Please remove all transactional history including payment history, any late payments, utilization rate ( should say paid as agreed ) etc. Thank you for understanding and your compliance.
Consumer complaint received 2021-08-03
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. (AL)

I am a victim of identity theft. Please see the attached documents relating to this case and the completed notarized identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. 
Fraudelenat accounts are : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Attached is my notarized affidavit and police report. 
This is my 3rd attempt to communicate with you on this matter.
Consumer complaint received 2024-09-11
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. (SC)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX  opened this account during a purchase I made with XXXX for a phone near XX/XX/year>. 
I received no notice that the account was opened, I was given no account number, no due date no remit address not email, regular mail text or call about the account when it was due or how to pay it or where to send it. They made NO ATTEMPT to call me untill XXXX of 2024 when they already sent account to collections. 

How am I suppose to pay the account when I don't have anything that resembles a statement. XXXX phones has since dropped XXXX XXXX as a credit vendor because of their issues. I tried to go through the internal dispute process with XXXXXXXX XXXX and they stated they would let me know of their decision within 30 days which they NEVER contacted me 30 days after my dispute by any means, just like they did when the account was opened. 

I have opened disputes also with XXXX, XXXX and Trans Union.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.