davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$810.00} ; CXXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX XXXXBalance : {$2300.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

Account name : 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. I want the CFPB to publish this description on consumerfinance.gov so that others can learn
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-24
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. (GA)

This is my NUMEROUS request 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 items 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 items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Neon Newco Corporation (CO)

XX/XX/2023 received a credit card for XXXX  XXXX I had not requested or applied for. This was done in Texas. They closed the account. 

XX/XX/2023 someone tried to apply for unemployment at my job site. Since I still work there, they contacted me immediately. 

XX/XX/2023 Received debit card I didnt apply for. Its from XXXX XXXX netspend debit card. Called the company to report as fraud. They had already created a user name and password for this account.
Consumer complaint received 2023-05-25
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. (PA)

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 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I returned items to the merchant and used my expired debit card to process a refund of {$5000.00} on XX/XX/XXXX. The transaction was successfully processed to my card at the time with receipt ( attached ). I still have not received the funds to my bank to this date XX/XX/XXXX. 

I've disputed with both of my Bank and Merchant  through XXXX. Both sides are claiming that the other side has the funds. 

However, Merchant have provided reasoning with full transaction record. They have a record that the Bank filed a chargeback and has the fund. I've presented these information to my Bank but they are claiming no new informations.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00}
Consumer complaint received 2023-05-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Consumer complaint received 2023-04-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (VA)

I filed a complaint with the creditor that the information on my credit report is not being reported accurately and it was reported to me that it is correct however its not and i will prove that it is not and want the history of the late payments be removed and deleted.
Consumer complaint received 2023-03-30
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. (GA)

This is my several complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (FL)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/
Consumer complaint received 2023-03-30
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. (IL)

Dear CFPB, I am writing to dispute a fraudulent collection account that has appeared on my credit reports. The account in question was opened by XXXX XXXX, a debt collection agency, without my knowledge or consent. As a victim of identity theft, I am deeply concerned about the impact that this fraudulent account could have on my credit history and financial wellbeing. 

I first became aware of the fraudulent account when I received a notification from bureaus about a new account that had been opened in my name. I was surprised as I had not applied for any new credit in the recent past. Upon reviewing my credit report, I discovered that a credit card account had been opened in my name without my consent. 

The impact of this fraudulent account has been significant. It has lowered my credit score and made it more difficult for me to obtain credit or secure favorable interest rates. It has also caused me significant stress and anxiety, as I worry about the long-term implications of having a fraudulent account on my credit report. 

I want to make it clear that I did not authorize this account and I am not responsible for the debt that XXXX XXXX is attempting to collect. I have taken steps to protect myself from identity theft, including monitoring my credit report regularly and being vigilant about protecting my personal information. I have also reported this incident to the Federal Trade Commission. 

I respectfully request that you take action to investigate this fraudulent account and ensure that it is removed from my credit report. I am willing to provide any documentation or evidence that may be necessary to support my case. I believe that it is important to hold companies like XXXX XXXX accountable for their actions and protect consumers from the harmful effects of identity theft and financial fraud. 

Account details : XXXX XXXX - XXXX XXXX XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-24
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. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-23
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: Experian Information Solutions Inc. (TX)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc. (VA)

I have reached out to the company several times. I have asked to update the credit bureaus several. They have lied saying they sent screen shots of their accounts to the credit bureaus prior to when they report to credit bureaus. I paid the account off in full on XX/XX/XXXX. They have reported to all 3 of the credit bureaus 3 times that the account is 60days late on the XX/XX/1926 & XXXX. I have gotten hit hard on my credit reports by them intentionally reporting inaccurate information. I have filed a dispute with all 3 credit bureaus & the company won't respond to them. I need this to fix asap. I have documents showing I paid it off as well conversations we have had.
Consumer complaint received 2024-10-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (KY)

My coinbase acct was compromised and they stole my life saving money of {$56000.00}. Based on the XXXX XXXX, coinbase are known for stealing peoples money. They have a long history about fraud and have cases with SEC. Someone got a hold of my acct and did several transfer from my bank to this coinbase. The first one was on XX/XX/XXXX for {$5000.00}, XX/XX/XXXX for {$10000.00}, XX/XX/XXXX again for {$5000.00}, XX/XX/XXXX for {$5000.00}, XX/XX/XXXX for {$30000.00} and XX/XX/XXXX for {$1500.00}. I have talked to several coinbase agents and they assured me that i am qualified for a one time credit but they kept me hangin for nothing and then decided that they cant help anymore. I have all the proofs and screenshots of our communications tru email and i got tired waiting for them. I reopen the case and they said that its still under investigation and i am not waiting anymore for nothing. Sooo many Americans lost or loosing a lot of money from this coinbase company and they should be penalized for what their doing wrong to us. Its our hard earned money that they stole here. And i really need help pls. My counbase case number is XXXX. 

Thanks, XXXX
Consumer complaint received 2023-03-30
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

During the beginning of the year in XXXX, my previous employer underwent some financial hardship which directly affected our household income. We tried to manage for sometime before we got into a place where we could no longer manage. Our bills were starting to back up and we did not want our mortgage to default. They reassured us that it would not but it was their policy is that we had to default on our mortgage in order to be eligible for any assistance. 

So in XXXX of XXXX we reached out to XXXX XXXX  to see what our options were such as a loan modification. They said the could help us by putting us on a forbearance for 3 months to reduce our mortgage payment while we try to get ahead and look for another job. During our call they said we would have to default on our mortgage in order to be eligible for any assistance. This was a little scary because we did not want to foreclose on our property. They just didn't know what that looked like but when we defaulted and applied for the application for success they would have a better idea what we would be eligible for. So we did default on our mortgage from the direction of XXXX XXXX. Then on XX/XX/XXXX we were approved for the application for success to be put on a forbearance for 3 months at a monthly payment of {$1000.00}. Our regular mortgage is {$2000.00}. We completed the 3 month trial period as per the direction of XXXX XXXX. Our 3 months were up and we still needed some more time to get in a better place. So they approved us for another 3 month forbearance at {$820.00}. We completed the XXXXXXXX XXXX  month forbearance trial as per XXXX XXXX  guidelines. They stated that as long as we complete the trial within their guidelines, we would be eligible for a loan modification to bring the mortgage current. So both trials were completed successfully. Once the XXXX trial was completed, XXXX XXXX  stated we were approved for a loan modification to bring our mortgage current. There was no payment reductions but they were able to bring the forbearance difference and put it on the back end of the mortgage by simply doing a loan modification. On XX/XX/XXXX the loan modification was approved. 

XXXX XXXX stated when the mortgage becomes current from the loan modification, our credit report would not show late in any way. It would roll off like nothing every happened just as long as we stick to the guidelines of the forbearance and loan modification. As of today XX/XX/XXXX it still shows on our credit report preventing us from being approved for any loans and student aid for our children. 

I contacted XXXX XXXX  again on XX/XX/XXXX and they said there was nothing they could do for us.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$150.00}
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have been calling to settle the debt. When I ask to settle the give me XXXX off. I say no .. give them a figure. They pretend to put me on hold .. come back with not the figure I asked. 
I owe XXXX and I asked for XXXX and I would pay it off. 
Its all pretend. They get a kick back on the collection .. why not give me a opportunity to settle
Consumer complaint received 2023-04-24
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. (MA)

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance {$0.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance {$0.00}