davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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. (IL)

I am having major issues with finding inaccurate/ invalidated item after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the National Public data breach and may have gotten into the hands of the wrong person. 
XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-16
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. (MS)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : 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 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
Consumer complaint received 2024-09-16
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. (AZ)

These XXXX accounts and XXXX inquiries that are reporting negatively on my EXPERIAN credit report ( PLEASE SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/year>, i had a new hair appointment at XXXX XXXX XXXX  in XXXX, Virginia with an 'experienced " hair stylist to provide the look i was seeking. I was immediately dissatisfied with the work or lack of work she performed yet charged me for, a total of {$300.00}. On XX/XX/XXXX and XXXX, i contacted XXXX -- said hairstylist with my disappointment and concerns. She offered to fix it but then became hostile and spoke very hostile language to me. XX/XX/year>, I called XXXXXXXX XXXX XXXX to speak to XXXX XXXX, the owner/manager to tell him of this negative experience and request a full refund for my hair that was now damaged and nothing that i asked or paid for. He was empathetic and offered to have an expert 'fix ' this mess up, but later that day i became more irritated after learning this 'expert ' just graduated beauty school 1 month ago. I called back that same day, XXXX, to tell XXXX I was not getting my hair further damaged with his so called expert. I immediately posted about this negative experience on XXXX  and XXXX reviews to warn other consumer to avoid this hair salon. Shortly after these reviews my debit card used at the XXXX XXXX  the ONE time of service kept getting charged random amounts of money. On XXXX, i was charged {$53.00} from XXXX for a 'no-show ' fee, despite my phone records to show i called and verified cancellation with XXXX, the XXXX himself. Then, on XXXX, my card was unauthorized and charge by XXXX for {$190.00}, even though it had been almost XXXX weeks since the first and only time doing any business with them. I immediately called the bank when i noticed these charges on XXXX. They were empathetic and told me id get my stolen money back as well as encouraged me to seek criminal charges against the merchant. I provided NFCU with the phone records, the text messages, and the police report on the merchant for larcency. After almost two weeks of no communication from NFCU, i called to review these disputes and cases to which they told me they've been closed because 'i gave the company my card information '. Even though i had to close my card out, the card that got compromised. NFCU then sent me the wrong debit card twice!!! They lack any attention to detail. It took three tries to finally get the right card out to me -- it took two weeks!!! This is unacceptable. Yes, i paid for service for hair styling on XXXX, but i did NOT authorize the salon to continue to charge my card, after i was unhappy with first service!! There were no services or agreements for the {$53.00} and {$190.00} charges, and as the police report shows is complete fraud!! Its beyond me how a company i charged my card on ONCE can continue to charge it without my authorization. It seems like a lack of security on NFCU behalf. I need help getting my charges for {$52.00} and {$190.00} back, as this was stolen money from my account, and account NFCU should be protecting!!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX {$210.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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. (GA)

Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : Upon reviewing my Consumer Reports, I discovered inaccuracies indicating late payments on an account for which I have always maintained timely payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally required to ensure the utmost accuracy in reporting consumer information. I have never missed a payment on the following account : [ XXXX XXXX XXXX ], [ XXXX ]. 

I formally request a thorough investigation into these discrepancies within 4 days, as mandated by FCRA. Please provide verifiable evidence, such as account statements, demonstrating the claimed lateness of these payments. If you are unable to furnish such proof within the specified 4-day timeframe, I demand that these payments be promptly updated to reflect their true, on-time status in compliance with FCRA Section 611, which necessitates accuracy and completeness in consumer reports. 

I have consistently upheld my payment obligations without delay and expect this matter to be addressed swiftly and accurately.
Consumer complaint received 2024-09-26
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: EQUIFAX, INC. (NV)

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.

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 informationisinaccurate.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

On XXXX and XXXX, was debit card was charged without my knowledge or authorization from XXXX XXXX XXXX in XXXX XXXX  after my ONE time visit on XXXX. 

I have submitted my proof of my one time receipt, text messages with the hairstylist, phone records, as well an active police report I have filed with XXXXXXXX XXXX 

Despite all of this proof and documentation I have provided to NFCU, they continue to decline my resolution of fraud! They continue to reverse the charges in favor of the merchant that fraudulently charged the amounts!! 

NFCU clearly doesn't not follow their own zero fraud policy and do not investigate fraud cases. 

They have not sent my any documentations as to why they believe these cases are not fraud, legally they have to show me why they made this decision! They have neglected to support me as a NFCU member and regain the money I got stolen back.
Consumer complaint received 2024-09-27
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. (PR)

In accordance with the Fair Credit Reporting act XXXX Account 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.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Credit Bureau XXXX XXXX XXXX XX/XX/2023 RE : Complaint ID XXXX ( XXXX XXXX ) XXXX XXXX Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2023 } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXX XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX  {$210.00} Date Opened XX/XX/XXXX Inquiries XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (DE)

On XX/XX/2022 I discovered that Caine & Weiner were reporting that I owe an amount of {$310.00} and it is greatly affecting my credit report. I sent correspondence out on the same day to address the matter. I requested that they send validation of the alleged debt in a timely manner and they did not send anything that would validate that I owe them that amount. I have no contract with this company and they're reporting fraudulent information that is damaging to my person.
Consumer complaint received 2024-09-16
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. (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 2024-09-26
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: EQUIFAX, INC. (CA)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 2024-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX, someone fraudulently accessed my crypto account with coinbase. This account is linked with my email XXXX. 

All of my crypto currencies ( worth {$10000.00} ) were sold and the following day funds were transferred to an unknown bank account registered in my name ( fraudulently ). 

I noticed this incident on XX/XX/2024 and reported it to the coinbase support team. It was escalated with a case number as XXXX. So far they have not promised me the refund and mentioned that crypto assets are not protected by federal/FDIC laws XXXX 


Kindly look into the matter urgently and help me recover my crypto assets. 

Thank You! 

XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of : 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 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 ( XXXX, XXXX ) 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

( 1 ) BANK AMERICAXXXX XXXX XXXXXXXX THIS ACCOUNT IS REPORTING AN INACCURRATE BALANCE AND REPORTING DATE .IT IS A CHARGE OFF. I ASKED FOR SIGNATURES AND DOCUMENTS FOR THE ORIGNAL CONTRACT. I NEVER RECEIVED ANY PROOF. IT COMES BACK VERIFIED EVERYTIME. 
( 2 ) XXXX XXXX XXXX. WITH THIS ACCOUNT I HAVE DISPUTED AND ASK FOR THE ORIGNAL CONTRACT AND THE METHOD OF VERIFICATION. MY INVESTIGATION COMES BACK VERIFIED WITH OUT ANY PROOF OF HOW IT WAS VERIFIED. 
( 3 ) XXXXXXXX XXXX  XXXX XXXX THIS ACCOUNT IS INACCURRATE AND IT WAS SOLD TO XXXX  XXXX XXXX IS A COLLECTION. BOTH OF THESE ACCOUNTS ARE REPORTING THE SAME DEBT. THE REPORTING IS INACCURRATE ON XXXX AND XXXX NOTHING MATCHES UP ON THE REPORTING. PLEASE DELETE ( 4 ) XXXX THIS ACCOUNT IS REPORTING INACCURRATE DATE OPEN. DATE OF LAST ACTIVITY ON XXXX AND XXXX EVERYTHING IS INACCURATE REPORTING NOTHING IS THE SAME. I ASK FOR THE METHOD OF VERIFICATION.I WAS NOT GRANTED ANY PROOF OF HOW THEY VERIFIED THE ACCOUNTS. ( 5 ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS A CHARGE. IT IS REPORTING INACCURATE DATE OF LAST ACTIVITY. DATE OPEN WITH XXXX AND XXXX NONE OF THE REPORTING IS THE SAME. I ASK FOR ORIGINAL DOCUMENTS AND PROOF OF HOW ITS VERIFIED, THEY NEVER SEND ANYTHING. IT COMES BACK VERIFIED. IF THESE COMPANIES CAN NOT PROVIDE ANY DOCUMENTS OR ANY PROOF. I WOULD LIKE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2023-04-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

We called in XX/XX/XXXX to get a month deferment. We were told they couldn't do XXXX XXXX but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and we're told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these XXXX lates have not been fixed. We have never been late on our mortgage. And the XXXX lates were in deferment while we were waiting on their paperwork. We feel they need to be corrected.