davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (TX)

Shortly after I discovered the fraud attached to my social security number, I sent the credit bureau a detail letter, telling them the information was fraud, requesting that they remove/block the fraudulent information from reporting and included XXXX attachments proving my identity and that the items listed were fraud. I filed an identity theft report, which I provided the bureau a copy, ( Report number XXXX ) and submitted reports to the federal trade commission, ( report number XXXX and XXXX ). Despite all the evidence, the bureau refused to block/remove the items, in direct violation of FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. '' I submitted the request and all evidence in XXXX this year. As evidenced in the attachment, yet it is still reflecting on my credit today. 
The credit bureau has made no effort to protect me and my information. They have sent no supporting documents proving the alleged debt. The only thing I received was saying they " did an investigation. '' Which is impossible, because had they truly investigated, they would have found the accounts are not under my legal name, literal public records ( listed with the state ) show otherwise and a XXXX XXXX search would show every insurance I have ever had. Not to mention, my credit is flawless. No late payments, nothing overdue in my life. 
Plus the XXXX XXXX XXXX is reporting different fraudulent balances to different bureaus. It is clearly fraud and should be removed for that inaccuracy in itself!
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXX  have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I noticed my account was locked at XXXX. The bank ( Truist ) closes at XXXX so I called on XX/XX/XXXX, they told me there was no reason to closed the account, no notes about it, anything. And my funds will be sending to my mailbox on XX/XX/XXXX, for the amount of XXXX XXXX that I had to wait XXXX business days ( XX/XX/XXXX ). I didnt receive the check, called again and they told me I could go to the branch and they would give me a check, I went yesterday XX/XX/XXXX. They didnt received an approval to give me the check. I told them I needed that money for today, XX/XX/XXXX because that was my rent money which was return to my card before closing, and now I have problems with my complex, they think Im just being irresponsible, I dont have the money to pay that now and being charged for late payment, I think its unfair because they told me I would receive my check on Friday, XX/XX/XXXX and didnt receive it. I really need help with this situation, please.
Consumer complaint received 2017-07-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

When I go in to make a payment on  XXXX  their chip was not working they told me I do n't have the fun in my other bank I ask the bank manger to call of to credit union, he call they said the fun was available we try again Wells Fargo bank my card will not clear, I went over to Credit union to get cash for payment Wells Fargo why is fun not clear, she said Wells Fargo not show up in system walk in a mouth later Wells Fargo, I was told their having problems with card chip and this was going on for pass 6 mouth. I 'm one payment late so I started make extra payment of  XXXX  but I notice when receipt print out it show   XXXX   my payment is  XXXX  I ask if the payment is toward aback payment why cant it say on the receipt, because you charge a late fee every mouth   XXXX   because I retire   XXXX   an I make a payment on   XXXX   each mouth my concern is the extra  XXXX  turn into service charge. in   XXXX   I walk in Wells Fargo to make a payment I told by the bank their do n't have enough room to make Two payment I call Well Fargo mortgage what do, no response I receive a call from Well Fargo mortgage say you do n't have to make a extra payment of   XXXX   keep until you get  XXXX . this is getting out of control I need help
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Upon checking my report I see accounts i do not recognize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am XXXX  XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 
This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
Consumer complaint received 2017-07-19
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. (TX)

I was not notified that my student loans were due back, and it has now affected my credit greatly. These loans are low balances that I have no problem paying back, but I would like to discuss a possible dispute with payment? My credit score that I 've worked very long for has dropped over  XXXX  points because of something preventable. Thank you
Consumer complaint received 2023-06-24
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. (CA)

This is my follow up request to Experian that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$820.00}, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX,
Consumer complaint received 2017-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (NC)

On    XXXX   XXXX   ,  2017  I received an email titled " NOTICE OF ACCOUNT CLOSURE AND PENDING DISABLEMENT '' while in  XXXX  on vacation. Coinbase thought I was a resident of  XXXX  and that " If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at  XXXX  XXXX  XXXX  immediately and provide us with a copy of a photo ID and proof of your current address. " I immediately sent them the documentation requested and after 3 days on    XXXX   XXXX  ,   2017  I received a response from their customer service that the issue was being investigated by a  specialist  and I would be contacted when there was an update. After not hearing anything for a few days I responded on  XXXX   XXXX ,    2017  just asking for a status update. I have yet to hear back from them. I have also tweeted at their customer support  (  @ CoinbaseSupport ) MANY times to no avail. My support ticket number from the original email is  XXXX  So at the moment I have no access to any of my funds ( both USD and ETH ) that are in my Coinbase account.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

XX/XX/XXXX ( Account 1 ) Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} Status : Closed 2.XX/XX/XXXX XXXX ( Account 2 ) Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Status : Closed 3. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Status : Open 4. XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XX/XX/XXXX Status : Paid Closed 5.XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : $ - Status : Transferred Closed 6.XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Status : Open Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Your Account Information : Account Number : XXXX Client Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Financed Amount : {$690.00} First Payment Due : XXXX Payment Amount : {$94.00} Interest XXXX % Paid in Full : XXXX {$690.00} The first payment for this account was XX/XX/year>. To take advantage of the XXXX interest free offer I paid the account in full on XX/XX/year>. Instead of reporting it on my credit report as paid in full/account close, they reported it on all three reports as Charged-off. This reporting made it almost impossible to qualify for a VA home loan, because it dropped my credit score by XXXX points.
Consumer complaint received 2024-09-10
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Balance {$390.00} XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance {$370.00} Date opened XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance {$220.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance {$5800.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX - Balance {$1200.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (RI)

in  XXXX  I applied for Stafford loans to attend graduate school in the amount of {$500.00} and {$2800.00}. After   XXXX   obtained the money, they said I required a dummy math course. Nelnet serviced the loans. I became suspicious or over stressed by the course as nothing went through properly. Long story short, I requested that the money be sent back to the federal government, I became  XXXX  due to   XXXX   XXXX   then I lived out of my car in  XXXX . I only worked at a   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ( LHI ) and that was less than 20 hours a month ; if and when I could get selected. These loans have been bounced around with nelnet, then yet another loan servicing entity. I can not seem to get any response. I do not know how much I owe and more importantly where is the money? my social security check are being garnished again. This makes the 4th time and I have reached out to   XXXX   XXXX   office, and other educational entities. I am worried that I will not be able to make my rental payments and do not want to once again be forced to live from my car. I seem to not be able to get anyone to give me an accurate accounting Currently my Stafford student loans are being misplaced and my social security checks are being garnished {$240.00}. per month for a loan of less that {$4000.00}. From what I learned, the interest has been accruing and I have been charged twice for loan servicing. Plus the money is still in an account at  XXXX . I live on less than {$2000.00} per month and my rent is {$860.00} and am obviously worried. If someone has the authority to do this to me, with a   XXXX   XXXX   in   XXXX   XXXX  ,  XXXX  years old and a naturally born citizen, I think even if I could borrow money from someone ( which I ca n't ), that is n't the issue that needs to be investigated.
Consumer complaint received 2023-06-24
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. (MI)

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act as a federally protected consumer, I have a right to privacy. 

Per the Securities Exchange Act XXXX XXXX agreed to discharge this debt so it can not be late. 

Per the International Bill of Exchange and Promissory Note XXXX XXXX  failed to tell me the federally protected consumer that they would securitize my promissory note which would be a violation in Truth in Lending Act. 

Any credit amount over {$1.00} is due to the consumer by the certificate of indebtedness. 

15 U.S. Code 1681q 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) 15 U.S.Code 1681s-2 ( 7 ) ( E ) Per 17 CFR 424 Capital One said it would not commit language fraud.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To Whom It May Concern, I am writing to follow up on previous requests made by phone and mail to all three major credit bureaus ( XXXX, Equifax, and XXXX ) regarding the removal of outdated addresses from my credit report. Despite making contact several months ago, these addresses still appear on my report : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have no association with these addresses, and they should no longer be connected to my credit file as I do not reside at any of these locations. Any correspondence or delivery intended for me will not reach me at these addresses. 

Please update my credit report to reflect only my current address and remove these outdated addresses immediately. This issue has persisted despite my initial attempts to resolve it, and I am requesting your prompt attention to ensure my credit report is accurate. 

I expect this matter to be addressed in compliance with the Fair Credit Reporting Act ( FCRA ), and I kindly ask that you provide written confirmation once the outdated addresses have been removed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 ( XXXX ), 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. 

XXXX XXXX XX/XX/year> : XXXX XX/XX/year> :