davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I demand the immediate removal of late dates associated with the disputed items on my credit report. The furnisher 's failure to respond to verification requests is a clear violation of the FCRA, and I insist that the credit bureau comply with the law by promptly updating my consumer file. Take swift action to delete the inaccurate late dates and rectify this matter in line with the Fair Credit Reporting Act. The following account is in dispute : XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date opened XXXX XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}, XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX XXXX XXXX {$1400.00}, and XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance XXXX {$7900.00} XXXX
Consumer complaint received 2023-09-16
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (AZ)

From XXXX XXXX through XXXX XXXX, they allowed their employee to steal all of my deposits, they recently claimed they would refund part of the {$4200.00} they owe me, then XXXX XXXX with Comerica bank directed me to call a general CS # at XXXX XXXX to try to recover the actual amt. They owe me. I can not reach any person to talk to at DE with any available # I am disputing all charges on my acct from XXXX through XXXX. My entire {$4200.00} needs to be refunded to me immediately by sending a check to : po box XXXX XXXX XXXX 's, as XXXX. You can not contact me via e-mail
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Diaz & Associates, Inc. (CA)

I have fallen victim to identity theft. I am not liable for the debt associated with XXXX. 
I do not possess a contractual agreement with Diaz & Associates Inc, they have failed to furnish the requested original contract as I requested.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 1681. 

Account XXXX : XXXX XXXX Account 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 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 2024-02-27
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)

EXPERIAN has a account on my credit report from XXXX XXXX XXXX  this account is not mine I have never received any items or opened an account with this company Sec 609 say they must send me the proof that this is my account I want the signature The items bought date address and all information on this account if not able to provide proof delete immediately
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you REMOVE the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-25
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)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy.

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-25
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. (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy.

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-11-07
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently got a new Venture card that its excellent standing, with no past due, no fraud and not delinquent. Capital one invited me to apply back in XXXX. I logged in and to was shocked to see that they restricted my account with any further notice or explanation. I received a XXXX letter after it was already closed. They keep harassing me and discrimination against me telling me about my attitude. I have no idea why they are talking about, but this is the 2nd time. They closed a card on me in XXXX of 2022 as well. only because I demeaned answers and the poorly trained customer service was very. rude and not helpful. So they say I am rude, yet the way treated me is obsolete. They harass me, laugh over the phone, they totally careless when my card get lost and I had to reported. If you make a complaint and demand answers, Capital one will retaliate against you, which is illegal.
Consumer complaint received 2024-07-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Marlette Funding, LLC (NC)

Best Egg and its member banks XXXX XXXX XXXX XXXX XXXX that try to masquerade as financial institutions- decreed that merchant disputes pursuant were all now simply too silly- and that federal law stating A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. really means that the designee or obligor are now first required to violently assault the police and whomever else necessary both for XXXX XXXX  and to prove they are truly serious that they wanted the goods delivered in accordance to agreement. Best Egg- now realizing it is truly a XXXX  XXXX XXXX  rather than a financial institution - then criminally conspired with an XXXX XXXX who was found to feloniously commit credit card fraud against another national bank- to forge and falsify bank records in order to steal money from XXXX people - people who should just be lucky theyre not swinging from trees like XXXX- and who simply forget XXXX can do whatever they want against XXXX XXXXXXXX XXXX- according to the criminal mob Best Egg- are the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that can do no wrong- and we XXXX are required to give all our money to them and never ever demand we get the services we paid for. All Best Egg has to do now is bribe who they think are the right regulators to evade federal law.
Consumer complaint received 2023-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-27
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. (FL)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have submitted detailed complaints with XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX. and 2 of the 3 credit bureaus on this platform. It has come to my attention that there has been no new reporting on my reports after having opted out ; however, the previous reported history is still causing hardship and injury to the wellbeing of myself and XXXX XXXX. 15 U.S.C. subsection 1681c details the Requirements relating to information contained in consumer reports ; section ( b ) 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, meaning NO adverse item besides the conviction of crimes should be on my report, any derogatory mark is not allowed into the consumer reports, indicating a violation! further, 15 U.S.C subsection 1691a ( 2 ) ( A ) ( i ) states ; report containing information solely as to transactions or experiences between the consumer and the person making the report ; conclusion : REPORTING TRANSACTION HISTORY IS ILLEGAL. 
take Further Notice! XXXX, EQUIFAX, AND XXXX, have been allowing or sharing my personal information to solicitating credit card companies, evidenced by the very report each bureau has provided to me upon request, making this a valid claim for IDENTITY THEFT, pursuant, 12 CFR subsection 1022.3 Definitions, which states very clearly : IDENTITY THEFT means a fraud committed or attempted using the identifying information of another person without authority ; as I see it ; by use of the very definition given, anything added to my report WITHOUT MY WRITTEN CONSENT is considered IDENTITY THEFT. Every privacy NOTICE i have ever received firmly states the company/bureau DOES NOT SHARE my information with third parties, however there's record of soft inquires on each report!!! which evidences deliberate misuse and/or breech of trust! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. have both been paid in full!!! I have been in disputes with both entities and their trustees for over a year now! they BOTH have misused the tender and security given to settle the obligations! they BOTH have WILLFULLY dishonored my attempts to settle the debt. their gross neglect in updating my accounts have resulted in injury! AND THE OFFER OF NO EXPLAINATION TO THE DISAPEARING TENDER ONCE IN THEIR CUSTODY!!!!

I am INJURED from this Gross neglect! and am facing severe hardship, and displacement due to their WILLFUL NONCOMPLIANCE! 
FURTHER NOTE : due to the inaccurate reporting from these two furnishers, the other credit lines have either lowered my available credit and or closed the account to which I have no negative history with, yet this greatly effected my credit utilization!
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX and Transunion are reporting false information on this account, and they agreed to fully remove this from my credit and hasn't, please provide me with the accurate information, this effects my life and you guys are listing wrong and inaccurate info 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 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

First let me say none of the preselected questions quite apply. I am upset that after several years now of rebuilding my credit with NO delinquencies, nothing bad on my report and everything positive except I have used over half my credit amount. I used airline credit cards to buy material for my business then pay them off. Why the XXXX should using a credit card be a reason to lower a persons score? This system can not in any way properly rate a persons credit. I dropped XXXX points just because I used the credit I was approved for. There needs to be a change in this unfair credit score rating and it should be based on real reasons not some fictions creation ( most likely created by banks to raise ones rates )
Consumer complaint received 2023-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Please remove it from my credit report
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

Regarding open log-in my Coinbase. 

I still can not open my account to log in to Coinbase. They asked to change my ID was suddenly changed in 2018, but I am still unable to log in and access my account. I have also changed my telephone number after 2018.
Consumer complaint received 2024-02-27
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Original Creditor : XXXX CORNERSTONE CROSSING APTS ) XXXX Balance : {$1600.00} XXXX - XXXX XXXX Balance : {$0.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year>