davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: College Ave Student Loan Servicing, LLC (TX)

On XX/XX/2020 a coworker known as XXXX XXXX XXXX stole my social security card after lending my to him to go to work that day. XXXX took advantage of me cause my wallet was left in my car and used my identity to obtain a college Avenue student in the of almost {$4000.00} I later confronted him to return my ids because I was I going to report him to the police I had no idea that he used my identity to obtain a student fraudulently until I started receiving bills from college Avenue student loans that I owe them that money. He later on admitted to lying to me that he took my identifications without my knowledge but did not mention using them to obtain a student loan.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had an auto loan through Capital one auto finance. My vehicle was a lemon, so the dealership had to pay me back for all payments made, and pay capital one auto loan off. Capital one auto loan was supposed to remove entire tradeline of credit from all 3 credit bureaus within 21 days of receiving payment from dealership. It also states that capital one auto finance can not ever report this to the credit agencies in the future. The counsel, XXXX XXXX signed said agreement on XXXX XXXX, XXXX. As of XX/XX/XXXX t Capital one auto finance reported the trade line as a paid charge off ( very negative on my report ) I tried to get approved to buy a vehicle XX/XX/XXXX, was denied and found out that the trade line had not In fact been removed as agreed upon in writing. 
Have attempted to dispute with all 3 credit bureaus, but they all reach out to Capital one for verification and Capital one auto finance tells them that this account is reported appropriately ( which is false per signed written agreement ) I contacted Capital one auto finance about this and they said they couldn't do anything because they are just the financing department and their dispute department is not taking calls. 

I have the written signed document attached and the pertinent areas are highlighted. Page 2 of 7 section 4 and continues on page 3 of 7. Along with signature on page 6 of 7
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (NC)

Hello, My name is XXXX XXXX XXXX and I am contacting you on behalf of my fianc and I, XXXX XXXX. We are in an emergency crisis situation, ( ALL OF THIS TURNED OUT TO BE A LIE BECAUSE THEY ARE IMPERSONATING Chairman XXXX of the SEC A GOVERNMENT OFFICIAL ). Where we are supposed to be receiving help from the government but they have failed us at every level for going on 17 months. Our bank account was breached by employees of XXXX  XXXX XXXX. We reported to officials, we have contacted the XXXX XXXX XXXX, which then triggered the FDIC being contacted, and when they failed us, we were passed to the Security and Exchange Commission. There even was a joint task force comprised of the FBI, SEC, and the FDIC. And this is where we have been ever since, just going back and forth for 17 months at this point with no real progress made. This has made its way all the way up to the Financial Services Committee of Congress. Everyone from President Joe Biden, to Vice President XXXX XXXX, Chairman XXXX XXXX from The SEC, XXXX XXXX the House Representative for our district. We have an invoice that was provided to us by the SEC, and the FDIC. We have been up for eviction at least 3 times in the past 17 months, because I had to leave my job to be able to constantly call to try to get the government to actually do its job. So my family is begging you. We are barely surviving, literally surviving off what our parents can provide but we are all alone, our families live in different states. We are XXXX years old and we had to leave college due to the pandemic and now we are faced with this crisis and no one is truly helping us. We are trying to start a family and pursue our opportunity at the American dream. But its being stolen from us. Please help us to get Justice. We have been told multiple times that our case could lead to the collapse of multiple banks and even the financial industry as a whole especially with the failure of XXXX XXXX XXXX. Please reach out to us as soon as you can. We desperately need your help. We are owed money by the government and we have the invoice to prove it. Thank you for your time. ( ALL OF THIS TURNED OUT TO BE A LIE BECAUSE THEY ARE IMPERSONATING Chairman XXXX of the SEC, A GOVERNMENT OFFICIAL )
Consumer complaint received 2023-03-15
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-03-15
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. (CA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 2023-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (ID)

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX Idaho XXXX. In XXXX of 2022, I met a person on XXXX dating, named " XXXX ''. She asked if we could use an app called XXXX and we started Communicating there. She was talking normally for a few daysand then started talking about crypto investing. I wanted to delete her after that but I ignored the red flag and played along. She was working on me and trying to get me into crypto trading in higher amounts for greater returns. I was still very skeptical but knew the platforms were safe and secure as long as I didn't give her my account log in information nor my send or receive codes, which I never did. She eventually talked me into wiring an initial transfer of money to XXXX, which is a secure crypto currency exchange. I knew this and was not worried about transferring my money there. The initial wire transfer was ( XXXX $ ) on XXXX of XXXX, 2022. She increased the money that I put in there by {$700.00} in only 30 minutes or so of trading and allayed my concerns of being scammed as I had control of this money when it was in my coinbase account and my coinbase wallet. At the end of the trading day, she guided me through depositing the money into a bitcoin IRA account she led me through the creation of. ( It wasn't known at this time but that IRA platform was fraudulent. ) There were two deposits I made by wire into my coinbase account and those dates were First date of Transaction XX/XX/XXXX  and Last date of Transaction XX/XX/. The total amount of money deposited was $ XXXXShe then started asking for more and more money to invest in Crypto, and she had already proven herself on smaller amounts ( or so I thought ). I also believed the IRA account was legitimate still so I transferred a total of {$27000.00}. In order to trade it she convinced me that I should end and initiate trading from my fraudulent bitcoin IRA account. After my final deposit I realized that I had been scammed as I tried to reach customer service from the XXXX IRA website and never received a reply. The evidence attached is from my detectives who have traced the funds and helped me file claims to recover the funds from the 4 different exchanges that ended up receiving the transfers from her account ( see attached Investigation Graph Image ). I will also provide this information on a thumbdrive, per our conversation, and drop it off with the local FBI office for your use in this case when you request it. Thank you, XXXX XXXX
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Trans Union and XXXX are both reporting a bankruptcy on my credit report and they have put in the date of furnishing as the US bankruptcy court of the northern district of Florida which is false. I have attached a letter from the US bankruptcy court of the northern district of Florida verified, and stating that they do not furnish information over to the credit bureaus or any credit monitoring service, nor do they verify and validate any info concerning bankruptcies Trans Union and XXXX are both listing this info on my credit report and have yet to remove it.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

In 2018 I had an account with XXXX XXXX and then totaled the car that I had with them my insurance paid most of it but the XXXX dealership paid the rest and I have the documents to prove that. Also every time I try to dispute it, it comes back updated as if its a current charge off and thats really affecting my credit and my life. I cant get a new car or any loan because of this inaccurate and illegal use of my information. Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my infq, pursuant to 15USC 1681 4
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In 2018 I had an account with XXXX XXXX and then totaled the car that I had with them my insurance paid most of it but the XXXX dealership paid the rest and I have the documents to prove that. Also every time I try to dispute it, it comes back updated as if its a current charge off and thats really affecting my credit and my life. I cant get a new car or any loan because of this inaccurate and illegal use of my information. Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my infq, pursuant to 15USC 1681 4
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CNG FINANCIAL CORPORATION (CA)

Check n go changes its name to consumer adjustment put it on my credit report after 7 years like I just opened an account last month. Now I have them as a new account for another 7 years. Totallying 14 yrs. I dont think XXXX is reporting fairly removing old accounts from 7 to 10 years. I dont think this is fair reporting.
Consumer complaint received 2023-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (ID)

My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX Idaho XXXX. In XXXXXXXX XXXX XXXX  I met a person on XXXX dating, named " XXXX ''. She asked if we could use an app called XXXX and we started Communicating there. She was talking normally for a few daysand then started talking about crypto  investing. I wanted to delete her after that but I ignored the red flag and played along. She was working on me and trying to get me into crypto trading in higher amounts for greater returns. I was still very skeptical but knew the platforms were safe and secure as long as I didn't give her my account log in information nor my send or receive codes, which I never did. She eventually talked me into wiring an initial transfer of money to Coinbase, which is a secure crypto  currency exchange. I knew this and was not worried about transferring my money there. The initial wire transfer was ( XXXX $ ) on XXXX of XXXXXXXX XXXX. She increased the money that I put in there by {$700.00} in only XXXX minutes or so of trading and allayed my concerns of being scammed as I had control of this money when it was in my coinbase account and my coinbase wallet. At the end of the trading day, she guided me through depositing the money into a bitcoin IRA account she led me through the creation of. ( It wasn't known at this time but that IRA platform was fraudulent. ) There were two deposits I made by wire into my coinbase account and those dates were First date of Transaction XX/XX/2022 and Last date of XXXX XX/XX/2022. The total amount of money deposited was $ XXXX then started asking for more and more money to invest in Crypto, and she had already proven herself on smaller amounts ( or so I thought ). I also believed the IRA account was legitimate still so I transferred a total of {$27000.00}. In order to trade it she convinced me that I should end and initiate trading from my fraudulent bitcoin IRA account. After my final deposit I realized that I had been scammed as I tried to reach customer service from the XXXX IRA website and never received a reply. The evidence attached is from my detectives who have traced the funds and helped me file claims to recover the funds from the XXXX different exchanges that ended up receiving the transfers from her account ( see attached XXXX XXXX XXXX ). I will also provide this information on a thumbdrive, per our conversation, and drop it off with the local FBI office for your use in this case when you request it. Thank you, XXXX XXXX
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/23 XXXX, I received an e-mail from Bank of America that my 'Online application is in progress, ' for XXXX Banking Account XXXX which I never applied for. One minute later ( XXXX ), I received two additional e-mails, one telling me that my application was approved, and one welcoming me to online and mobile banking services. Calls to Bank of America were no help, with no way to contact their fraud department directly.
Consumer complaint received 2023-03-15
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)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$520.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-04-01
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. (NJ)

I have tried several times to fix this XXXX XXXX XXXX  account XXXX My credit report attached is still showing inaccurate information between the three different bureau. Date of last activity, Closed date, payment history, date of first dilinquency are all incorrect. Please fix. XXXX XXXX XXXX XXXX XXXX XXXX. Attached proof of inaccuracy on my credit report.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

From XX/XX/XXXX to XX/XX/XXXX I got charged 8 overdrafts fees to my personal account totaling {$270.00}. I called on Saturday XX/XX/XXXX for help on removing the fees, because after the pandemic my life changed and I have been thru financial hardships. My time is limited, I have XXXX kids and XXXX jobs. When I called the associated said he could help me with 3 overdrafts because that was the max allow in 1 day, that I had to call back to get help on the other fees. I called today, lost my time to find out that I was lied on, they tell me 3 is the maximum allowed in an entire year. I spent 1 hour today on the phone to solve nothing. Chase is very black and white where they allow 3 and they don't care about what situation you are having at the moment. I explained I usually transfer the money as soon as I get a negative balance alert, however I explained I had a situation where I couldn't be on top of my accounts as I usually am and also amazon transactions were those subscriptions where of course I didn't have the time either to be cancelling those transactions because what was going on. I would like the rest of the overdraft fees removed.
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Camino Financial Inc. (GA)

I am not even 30 days past due and have receive over 25 calls in the past week of XXXX. This is not including multiple voice messages, texts, and emails. Ive received XXXX calls in the past XXXX hours alone. 

I advised I would update my card the upcoming week and to please cease all harassing communication. 

They kept contacting me at first saying that I gave them permission to contact me I advised that I did not give them permission to harass me. There is a difference. 

After multiple texts back-and-forth, they finally agreed to cease and desist. 

After telling them, I was going to update my card with them. I received this response Ok, so you dont want to take responsability of this? 
I am going to take your answer as a negative of payment That was not what I said at all. But I advise them that no further responses for me would be made as I am reporting it to the CFPB. 

I am also getting emails saying that my account is one month past due when its not I am documenting these practices, in case they inaccurately report late payments to the credit bureau I have attached photos of all the missed calls from their company in the past week
Consumer complaint received 2023-03-15
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)

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 1687 Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 agency can not furnish an account without my written instructions reporting 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency ay make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 7 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 relc a consumer to any consumer reporting agency if the person knows or has. reasonable cause to believe that the information is inaccurate.