davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items on my report that your agency didn't make sure it was reporting 100 % accurate. 


XXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in Transunion, XXXX, and XXXX. First Flaw is the account status which differs from the XXXX and XXXX report ( Paid ) from the Transunion report ( closed ). Second Flaw is the date account opened which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Transunion report ( XX/XX/XXXX ). Third Flaw is the Last day reported on the account which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). XXXX XXXX is the Last day Active report which differs from all three credit reporting agencies in XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) report from the Transunion report ( XX/XX/XXXX ). Final Flaw reported was the date of last payment reported which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). 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 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.

These inaccuracies have done a toll on my mental health and m mental well being and I demand they be removed off my credit report seeing as the account is now closed and the information is still inaccurate.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

I am writing to inform you once again that I am a victim of identity theft. I am disputing specific entries in my documents that have resulted from this crime. These records pertain to transactions that I did not make or authorize, involving no acquisition of goods, services, or money on my part. Please remove any significant information from my credit report that resulted from alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (MI)

Per CFPB report # XXXX : Santander has provided a completely false response to the Consumer Financial Protection Bureau . Santander claims they are unable to respond to this complaint because it " involves the same issues raised in pending or prior litigation. '' Santander continues to engage in unscrupulous business practices and this behavior has also been reported to the XXXX XXXX XXXX and Attorney General of XXXX 

I have NEVER before raised a complaint against Santander, let alone am I involved in ANY pending or prior litigation with this company. If Santander continues to assert this is true, it must provide proof of said litigation. If no proof can be provided, it must immediately update my account status to reflect " OK '' and/or " Open/Never Late, in accordance with legal requirements and factual correctness, per 15 US Code 1681a.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

REMOVE THE LATE PAYMENT OFF MY PERSONAL CREDIT REPORT IMMEDIATELY from XXXX, EquiFax, and XXXX!!! 

Account number : XXXX For XX/XX/year> In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX XXXX - I need you to remove the XXXX late payments on my XXXX credit report. 
Account number : XXXX For XXXX and XX/XX/year> I DID NOT miss my payments. You guys charged me a monthly fee which did not previously exist. I DID NOT agree to this monthly payment fee and it is NOT OKAY for you to classify NOT PAYING as LATE PAYMENTS. 

I need you to remove these LATE PAYMENTS from XXXX, Equifax, and XXXX. 

I am NOT happy that you did that to my personal credit report. I called in and your supervisor assured me that they wouldn't be reported as LATE PAYMENTS were nothing but LIES.
Consumer complaint received 2024-05-27
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: SANTANDER HOLDINGS USA, INC. (AR)

My financial institution sent me a letter regarding my XXXX loan debt. 

15 USC 1692b section 5 Acquisition of location information I have a right to Privacy. 
Any language or symbol on the outside of an envelope or inside on the statement is a clear violation of the law. 

You have violated me pursuant to the FDCPA 15 USC 1692b section 5. 
You sent me a letter and/or envelope that contains language on the envelope and the statement that identified you as being in the process of collecting a debt from me. This is a violation. 

Now the mail delivery XXXX is asking me questions about XXXX XXXXXXXX.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery has somehow put my signature on court documents on which I was never served a lawsuit on XX/XX/2015 in XXXX XXXX Texas. My bank account has been frozen. I never entered any agreement with them in the court. I was not served any legal documents. How is my signature on court documents if I never went to court in 2015 or after?
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: First Technology Federal Credit Union (MA)

I have met all the account opening bonus requirements and waited 30 days for the below account opening bonus and I don't see the bonus posted yet for XXXX. I did open my checking account in XX/XX/2022, and made 6 total direct deposits of over XXXX each month per the term, 2 also i made a XXXX purchase in the first 30 days in super market. The term did say to open a checking account not a saving account, I have mentioned that to the bank service team, and the term did indicate it is for the checking account, and the bank is now denied my bonus and said my checking account is not qualified. I would like to request my account bonus as soon as possible. 

First Tech Federal Credit Union is offering a bonus of up to {$350.00} when you open a new checking account using the promo code XXXX Receive a {$200.00} bonus when you set up a direct deposit. Must be set up within 60 days of account opening and receive 3 recurring direct deposits within 120 days. 
Get 10 % of qualified purchases up to a combined total of {$150.00} ( {$50.00} maximum per category ). The three categories are : groceries, online streaming subscriptions, and food delivery.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2024-05-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

In XXXX I was the victim of a hacking into my XXXX account. This caused a bill of {$650.00} to be created. When it showed up on my credit card due to automatic payment, I immediately disputed it with XXXX XXXX XXXX. Something occurred and it was an error and XXXX never received or properly processed this. As a result on four occasions since then collection agencies to try to obtain the money that was never owed from me. I have contacted XXXX when I could because XXXX was unhelpful when they merged or the collection agency. Most recently in XX/XX/XXXX, the Jefferson capital debt collection group tried once more. I called them and explained to them exactly what happened and they said that they would cancel the debt. This did not happen a negative collection mark which put on my Credit file and despite disputing it with all three credit bureaus, one of the credit bureaus still has it On my file until XXXX. I do believe that that is not unfair but illegal.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I do not owe lvnv funding any money. I understand they are debt buyers. But I do not have a contract signed with this company. Im requesting they ceast & desist from collecting debt since I do not owe them any money. Im also requesting they delete this collection off my credit report per fcra laws. Also I since Im requesting ceast & desist all communication should be by postal mail and all phone calls should stop. If they call me. I can sue XXXX per call per fcra law. 

Delete this off my credit ASAP.
Consumer complaint received 2024-11-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC (NY)

VALIDATION AND CEASE AND DESIST Dear Sir : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR. 
VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS TO CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 

PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSIBLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute regarding this debt. Thank you for your immediate cooperation.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (CA)

I recently opened an account with current. I lost my card and didnt realize it was gone, from XXXX XXXX to XX/XX/XXXX there are 25 transactions to various merchants including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX., the total charges amount to over {$1500.00}. I closed my card as soon as I realized there was fraud on the account and I contacted support to open a dispute. They closed the dispute and claimed there was no errors
Consumer complaint received 2024-01-22
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 writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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. (GA)

Identity Theft and fraud occurred on XX/XX/XXXX and on XX/XX/XXXX, which an attempt for an auto loan was fraudulently done, which caused some fraudulent inquiries on my TransUnion credit file. I do not know about the perpetrator who performed this act. I filed a police report with the XXXX XXXX XXXX XXXX, which XXXX XXXX took the report, filed on XXXX with a case number of XXXX. 15 USC 16811b ( c ) and 1681g ( a ) ( 5 ) have been violated as well. The following Inquiries are fraudulent : XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, ( Pulled Twice ) on XX/XX/XXXX, XXXX XXXX, and XXXX XXXX XXXX. The following Inquiries are still currently reporting on my credit file, Aggravated Identity Theft has been done, pursuant to 18 U.S.C. 1028A Also, I have been at my address for the last 5 years. You are hereby put on notice. Please remove these fraudulent Inquiries immediately or a lawsuit will be filed, seeking damages.
Consumer complaint received 2024-10-01
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. (MN)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-06-09
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. (NC)

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 
Ive submitted proof of Identification card, Social Security card proof of address and FTC
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I opened an account with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in opening dates, my name, payments, and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (PA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (CA)

I am writing to submit a formal complaint regarding unresolved issues with my Coinbase account, detailed in case reference # XXXX. Despite multiple communications and assurances of resolution, my concerns remain unaddressed, leading to significant inconvenience and potential financial loss. 

Summary of the Issue : I have been unable to withdraw funds from my Coinbase account since XX/XX/2024, due to an error that prevents cashing out. Despite repeated attempts to resolve this through customer support, the problem persists, and my case was erroneously marked as closed without any resolution. Further, on XX/XX/XXXX, I was informed that my account would be closed, yet restrictions have been placed on my ability to transfer my balance, effectively locking my funds. 

Details of Interaction with Coinbase Support : XX/XX/2024 : Attempted to cash out funds; received an error message. 
XX/XX/2024 : Contacted Coinbase support; was told the issue was being addressed. 
XX/XX/2024 : Informed that my account would be closed but was still unable to withdraw or transfer my funds adequately. 
Coinbase has disabled selling, buying, and receiving crypto in my account and has now decided to close it. While I have been advised to transfer my cryptocurrency balance to an external address, this solution is impractical without the ability to convert to a more stable currency like USDC, as initially all funds were added in USD. 

This situation is unacceptable and potentially violates my rights as a consumer by restricting access to my own financial assets without clear justification or resolution. The total amount of the funds being held by Coinbase is about XXXX USD I urge the Consumer Financial Protection Bureau to intervene on my behalf to investigate the handling of my case by Coinbase. 

Thank you for your attention to this urgent matter. I am prepared to provide any further information required as part of this complaint process.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It XXXXay Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are inaccurate : 1. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the corresponding creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that, as per 15

U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send me an updated copy of my credit report to the provided address. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any recipients of my credit report within the past six months about the corrections made. 
I appreciate your time and assistance in resolving this matter.
Consumer complaint received 2024-07-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an {$100.00} Amex gift card and tried to use it to purchase a XXXX gift card and it constantly gets declined even though there is funds on the account. I tried again with various other amounts and it would still get declined.
Consumer complaint received 2022-12-08
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 (IN)

Capital one credit wise is not revealing the correct information they claim that my oldest account ( which is with them ) is closed. They claim that the information listed on the report was reported by XXXX XXXX. But when I contacted XXXX XXXX this is what they had to say : You can contact them directly and let them know that you verified with XXXX but your Capital One account is not even closed, so they can check for you. Capital ONE says Im require to write a letter and physically mail it to get the information updated. Meanwhile their process of lowering my credit score is affecting how much I pay for things and Im attempting to refinance my home. I find this negligent and incomparable to the consumers. Im tired of fighting for my credit.