davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (PA)

On XX/XX/XXXX at XXXX XXXX  Eastern time a payment was initiated via XXXX to Concura Credit an effort to make payment to my milestone MasterCard account ending in XXXX. Please keep in mind that this is the second time a XXXX payment has been initiated in the course of 30 days with XXXX to Concora credit from myself. In each instant, the payment was done XXXX XXXX. The most recent being reference ID number XXXX for the amount of {$500.00}. There was a {$8.00} fee also assessed by XXXX for this service. Upon repeatedly, checking my account, there was no available credit the payment had not been applied. On XX/XX/year> icon contacted Concora Credit with regard to why this is continuously recurring that every time I make my payment its not available when promise and I pay a service fee for that. Concora Credit blamed it on XXXX and XXXX is blaming it on Concora Credit. 
Quite frankly, I dont care whose fault it is. There is a disconnect somewhere between the two, which is none of my problems. I did my part by making my payment and paying a fee to do so I want my payment applied. Am I available? Credit applied? same day as there Advertisement says. This had occurred has occurred twice now and I am a new customer to Concord Credit Ive only ever made two payments and both times theres been some kind of problem every time.
Consumer complaint received 2024-08-31
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX ....
Consumer complaint received 2023-05-27
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-08
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: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

I have contacted both First Interstate Bank and XXXX to remove errors in my credit report many times and they will not remove this account from my credit report. First Interstate Bank has verified this as being correct. 

This account is Account Number as it appears on my XXXX Credit File dated XX/XX/XXXX Confirmation # XXXX, XXXX FIBANK XXXX XXXX XXXXXXXX XXXX MT XXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXX XXXX XX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with First Interstate Bank ( Error 3 ). This was 24 days after the XXXX  XXXX was filed. FIB claims this was charged off ( Error 4 ). Months Revd XXXX This was not a 6 years loan ( Error 5 ) .Activity Designator Paid and Closed, If this was Paid off was was it a charge off ( Error 6 ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error 7 ). Date of 1st Delinquency XX/XX/XXXX - Date Maj Del. 1st Reported XXXX/XXXX This is 6 years LATER ( Error 8 ).

High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by First Interstate Bank. By law FCRA section 609 and 611 requires First Interstate Bank and XXXX to report information accurately or remove the account from my credit report. 16 Errors are visible.
Consumer complaint received 2023-05-27
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion, XXXX and XXXX are reporting transactions to my credit report without my consent. I have not authorized this in anyway. I have reached out to each company and transactions have yet to be removed. They are in violation of the law. Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.
Consumer complaint received 2023-09-16
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. (PA)

I XXXX XXXX Currently have two fraudulent account appearing on my credit report I have attached supporting documentation. 


1. XXXX XXXX XXXX {$220.00} 2. XXXX XXXX XXXX {$280.00}
Consumer complaint received 2023-09-16
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. (FL)

XXXX XXXX Account number XXXX Case Name ( s ) & No. : Ally Financial v. Alberta Haskins ; Case No : 16JE-AC01713-01 Jurisdiction : XXXX Judicial Circuit Court for XXXX XXXX , Missouri Products/Services Involved : Collateral Repossession Laws This account Is part of a CLASS ACTION LAWSUIT that I am apart of and I need this account REMOVED IMMEDIALETY. As per the FCRA, you are required to REMOVED this account per the CLASS ACTION LAWSUIT.
Consumer complaint received 2024-10-18
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. (GA)

Per the cfpb, I was instructed to send my fcra human trafficking form to the following address Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX My complaint fcra section 605 was sent on XXXX/XXXX via priority mail and I received no response.
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OK)

Chase Bank online website states that they are able to waive the fee for a new chase slate credit card for a balance transfer IF the original credit card was with chase bank. Yesterday ( XX/XX/2023 ), I went to the Chase Branch at XXXX XXXX in XXXX, Oklahoma so I could complete a balance transfer from one credit card to another in order to pay off some debt that I have accrued. They assured me that this was feasible so I opened up the credit card and attempted the balance transfer. They said it was approved and that I would be able to see the transfer within a few days. Today ( XX/XX/2023 ), I received a phone call from the woman who helped me yesterday stating that Chase bank can not accept balance transfers from an original chase credit card which was completely different from yesterdays conversation and the information that their website states. This is a major issue as it will likely affect my credit report, as I will have to close the new credit card. A reputable bank such as Chase bank should absolutely never market these lies, and have their employees state this, and then a day later after the credit card has been approved state that they are not able to do what they originally intended.
Consumer complaint received 2023-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-17
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. (NV)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-17
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: Experian Information Solutions Inc. (GA)

I am writing to urgently inform you that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report. This unauthorized account and inquiry were added without my knowledge or consent, and immediate action is required to address them. 

Inquiry - XXXXXXXX XXXX XXXXXX/XX/year> Account XXXX  XXXX I have already filed an identity theft report with the Federal Trade Commission XXXX FTC XXXX and am requesting the prompt removal of these fraudulent items to restore the accuracy of my credit report.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

Copied over from complaint ID XXXX ; complaint still awaiting a satisfactory response : I recently noticed Coinbase added support for XXXX XXXX that are sent to Coinbase.com ( Exchange, non-custodial ) account wallets. In response, I tested sending XXXX XXXX XXXX ( XXXX  ) tokens to my Coinbase exchange XXXX address. This transaction was successful, with the " Coinbase 1 '' account moving the tokens and crediting them to my assets in the Coinbase exchange interface as expected ; giving me access to the value of these tokens. However, I'm concerned about previous XXXX  tokens sent to the same address. On XX/XX/XXXX, the " Coinbase 2 '' account removed these tokens, but they haven't been credited to my assets like the recent transaction. I asked Coinbase to please clarify whether these earlier tokens will eventually be credited? If not, I need to understand why this discrepancy occurred, especially as my XXXX address is non-custodial and my tokens are missing. Ill include a few of my account details and transaction signatures below : My Coinbase XXXX address to which the tokens were sent in both instances : XXXX ( link to XXXX XXXX XXXX ) Original XX/XX/XXXX deposit to Coinbase XXXX address : XXXX Subsequent Coinbase initiated transfer of tokens to Coinbase 2 account : XXXX Sum of what's missing/the value of the tokens Coinbase seized without permission : XXXX XXXX  tokens, or around {$790.00}. Coinbase support lacks the technical knowledge and attention to detail to be able to even start addressing my concerns, and there's little to no higher technical support or escalations that can address the funds stolen from my account by the exchange itself. The whole thing reads as them just taking my funds because they could and justifying it by claiming that their previous moving of my funds without permission was somehow a technical glitch when it is fully a conscious decision on their organization 's part as to how to move my cash. Thank you for your prompt attention to this matter and for looking into this complaint for me.
Consumer complaint received 2020-03-12
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: LEXISNEXIS (OH)

I have found several address and numbers that do not belong to me on my credit file. I am looking to start my own company soon and I need my personal information to reflect the correct and accurate data. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX please delete the following cellphone numbers they are not mine : ( 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
Consumer complaint received 2023-06-13
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2023-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (NC)

On XX/XX/XXXX I was charged {$1900.00} for a collection that I have no idea about I have not been to any doctors or had any debts as of this year I was XXXX  from XX/XX/XXXX to XX/XX/XXXX and I know that this is not accurate I just need help fixing this is not the only thing on my credit report that is inaccurate
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NY)

Earlier complaint filed # XXXX I've written to you about the selling of my personal and credit information to XXXX XXXX XXXX  by Experian. 

My complaint was forward to the Office of the Comptroller of the Currency. I have received a respond from XXXX XXXX and the Office of theComptroller of the Currency. 

Although Im happy with the respond, Id like to continue to bring to your attention that as mentioned from XXXX XXXX XXXX ( Letter attached ) Based on limited pre-screened information obtained from the major CONSUMER REPORTING AGENCIES. 

Its evident that my personal and Credit Information was sold / obtained from Experian. 

As mentioned in the letter also ( Letter Attached ) Our Records indicate that as of the date of this letter, we have not received a formal request for credit in your name. 

I never applied for a XXXX XXXX XXXX XXXX, with this institute and never signed consent for EXPERIAN '' TO APPLY for Credit EITHER / or Sell my information / or submit my information As mentioned in earlier complains the Credit reporting agencies Continue to sell and provide my personal information to THIER 3rd parties marketer and profit on my Personal and Financial information that should be private. Or given with my consent and I haven't given any consent. 

I have included ( see Attached ) the Document from the Police Dept. By continuing to  sell my information only enables further Thief on my XXXX. 

Also, any additional information about this thief can be confirmed by XXXX XXXX @ XXXX Reference # XXXX # XXXX # XXXX # XXXX At this time, Since it is EVIDENT that I have been a victim of a Crime and thief on my credit reports Im asking the Fair Credit Reporting Act, to enforce my rights and to assist me in not only applying a 90 day Fraud alert on my credit reports but to apply a EXTENDED ALERT for 7 years on my reports. 

I have included police reports already to all credit agencies and to the Consumer Financial Protection Bureau. And have added the attachments again with this email. 

Id like to have my reports FROZEN, from any inquiries other then the creditors already listed. I have no plans in applying for additional credit, and have lived at my address over 3 years so utilities arent needed. 

Im confident that this matter will soon be resolved. And look forward to your respond. 

XXXX XXXX
Consumer complaint received 2023-09-15
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: LEXISNEXIS (IL)

XXXX continues to report this alleged bankruptcy with no validation. I called the clerk of court, and they stated that the court DO NOT release bankruptcy information to anyone that is not a party to the filing or the attorney, this means that it is impossible for XXXX to validate this alleged bankruptcy.