davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TX)

On XX/XX/XXXX, i authorized a balance transfer from XXXX coinbase account to another but due to restrictions the money was never recieved nor returned to either accounts. Till this day i have had a problem with the return of these funds. It took until XXXX that these funds have finally been located, and the funds which is crazy enough, have been located in coinbases own internal wallet, is what i was told by a coinbase rep. I stayed on the phone for XXXX hours for this information. Again, coinbase keeps saying its doing a review to see where the funds are but no response has still been given, my cases from XXXX till now, XX/XX/XXXX, have been escalated to their security team, which only offers email support no type of communication outside of this. All transactions made on XX/XX/XXXX, where the money is seen to be sent to coinbase in the screenshots of my coinbase statements below are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are all currencies that coinbase Owes me till this day. I have trued multiple times to get this resolved and have had no response or resolution in dealimg with this matter, only that its escalated to their security team and they can only be contacted thru email. I have verified myself multiple times but again i havent revieved any of my funds.all transactions that were sent again have questionable reasoning with me, because according to coinbase every transaction has a hash for the funds to be tracked, yet not XXXX transaction I have provided has a hash so they claim this was the reasons why it wasnt tracked, yet the money has been located and the funds still has not been returned to me or my account. Also, coinbase has restricted me from making any accounts and has my accounts up for account closure so the restrictions wont allow me to access the funds even if it has been restored.
Consumer complaint received 2023-09-21
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. (TX)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (MO)

Medical debt according to legal definition is debt that arose from the receipt of XXXX XXXX products or devices. 
After facing a life-threatening illness I was forced to take on medical debt from the receipt of XXXX XXXX and therefore it qualifies as medical debt. 
Medical debt is not allowed to be reported until its more than a year past due however Experian continues to report medical debt that is less than one year past due. They have been informed of this but dont seem concerned about obeying the law. The problem with them verifying with the creditors is they dont get an accurate answer and only a scripted answer from a customer care agent lasting basic legal knowledge This is pertaining to XXXX XXXX and XXXX XXXX XXXX XXXX, Commenity, XXXX XXXX and XXXX XXXX I have filed numerous XXXX XXXX XXXX complaints against Experian but they dont take medical debt law seriously. All they do is read scripted answers and change the topic.. I will request that they refrain from scripted answers and only discuss the removal of the medical debt.
Consumer complaint received 2024-04-29
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. (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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax is causing harm to my consumer report by not accurately reflecting my consumer credit score. Equifax is in the business of furnishing consumer reports based on my relationship with my creditors. My creditors have stated and Equifax that they are reporting accurate information if that is so why is there no risk score available if based on the same information the other 2 reporting agencies have.

credit score Primary tabs A credit score is a number between XXXX and XXXX that serves as a numerical representation of a persons creditworthiness. The higher the score, the better an individuals chances of securing a loan since a higher score suggests a greater likelihood that an individual will repay a loan on time. 

The score is calculated based on an individuals credit history, which includes the number of open accounts the individual has, his/her repayment history, and the amount of debt the individual has ( see also credit report ). 

The XXXX score, created by the XXXX XXXX XXXX, is the most commonly used credit scoring system and is currently used by 90 % of top lenders. 
credit report Primary tabs A credit report is a detailed written account of a consumers credit history, as prepared by a credit bureau using financial information collected from creditors. This information includes a consumers identifying information ( current and previous addresses, Social Security number, and employment history ) as well as their history of loans, credit cards, bills, accounts, payments, bankruptcies, and credit searches. 

Lenders use credit reports to determine each loan applicants creditworthiness. In order to obtain these reports, lenders are required to follow the procedures laid out in the Fair Credit Reporting Act. The Fair Credit Reporting Act requires that each of the three credit report bureaus ( Equifax, XXXX, or XXXX ) must supply consumers with a free credit report once a year. The Act also entitles consumers who are on welfare, unemployed ( and seeking employment ), victims of identity theft, or subjects of adverse action ( such as denial of credit, insurance, or employment ) to a free credit report from each of the reporting agencies. 
XXXX XXXX XXXX XXXX is the acronym for XXXX XXXX XXXX, as well as the name for the credit scoring model that XXXX XXXX XXXX developed. A XXXX credit score is a tool used by many lenders to determine if a person qualifies for a credit card, mortgage, or other loan. XXXX scores also determine the interest rates a person would pay or their credit limit. Higher scores generally correlate to a better likelihood of getting a loan, and better interest rates for those loans. Scores range from XXXX to XXXX. A score below XXXX is deemed poor, and persons with this score are viewed as risky. A fair credit score is any between XXXX, good between XXXX, and very good for XXXX. Those with an XXXX or above are deemed exceptional.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you XXXX  damaging my reputation as a consumer.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd ()

I was having an account with Wise ( XXXX ). On XX/XX/2022, My account was accessed from the XXXX, though I am from XXXX. I received an email regarding this. Next morning I realized that my account has accessed by someone else. Wise should have detect this new login pattern and transferring {$72000.00} USD in just 30 seconds with 9 separate transfers and {$8000.00} USD each. The transactions happened when it was midnight for me and unusual time for me to login to my account. All are those payments were unauthorised and my phone wasn't working at that time. I didn't accesed Wise app on my phone nor I have installed Wise app on my XXXX XXXX XXXX phone. I also want to mention my account email was changed on that day. All these incident relates to account hacking and unauthorized access to my account. Wise at-least should have detected one of these. 

I also asked Wise on the month of XXXX, 2022, that how much money I can hold in my account? And, Wise response was there is no limit to hold the amount of money. As, I informed Wise about this, they should have more security measures or look-up on my account. If they told me that I had to verify myself first, then I should have withdrawn my funds to my local bank account from my XXXX account, rather than transferring it to my Wise account. I have all the screenshots and evidence of transferring my funds from my XXXX account to my Wise account. 
Moreover, my account was personal, not a business account on Wise. I delayed 15 day 's to report the inident because, the scam was so sophisticated that I was shocked at that time and I haven't got any time to response since the payments leave my account in 30 seconds. As, Wise didn't detect the scam automatically, I lost hope for a refund and on Wise part they say 's they don't take in part in dispute between sender and recipients. Though this is an unauthorised incident. 

It was lot of money for me. I am living on the streets now. I don't have any financial support or anything currently. Those were my only funds left. My life is stucked since XX/XX/2022. I am physically not well that I can do works. As I am a needy person that's why I am looking for a refund of my hard-earned money till now today after 1 year of the incident. Wise took 8 months to conduct the investigation, yet they weren't able to recover any funds and blaming me that I have been overpaid by mistake. All these things are goes against humanity. As, Wise is a regulated firm, they have a duty of care to their customers. They can't just ignore customers problems, when large amount of funds were stolen. I tried to commit suicide several times since the incident happened. Those money were for my treatment and medical expenses.
Consumer complaint received 2024-04-29
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)

Equifax Information Services LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to request the removal of incorrect information from my credit report, which I obtained from Equifax. Upon reviewing the report, I discovered several inaccuracies that require immediate attention : 1. Charge Off from XXXX XXXX : There is a charge off listed from XXXX XXXX, which has been paid in full. Therefore, it needs to be removed from my credit report immediately due to incorrect reporting. 

XXXX. Incorrect Late Payments : Additionally, I noticed XXXX late payments listed on my credit report, which are incorrect and should be removed promptly. 

XXXX. Inaccurate Account from XXXX XXXX XXXX : XXXX XXXX XXXX is reporting inaccurate information about an account that they have not provided validation for. This account has been paid in full and needs to be removed immediately. 

I kindly request that Equifax investigate these discrepancies and take the necessary steps to correct them as soon as possible. I also ask for written confirmation of the corrections made and an updated copy of my credit report reflecting these changes. 

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me if you require any further information or clarification at XXXX or XXXX. 

Thank you for your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-01
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. (TN)

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 : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX 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.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

Equifax is causing harm to my consumer report by not accurately reflecting my consumer credit score. Equifax is in the business of furnishing consumer reports based on my relationship with my creditors. My creditors have stated and Equifax that they are reporting accurate information if that is so why is there no risk score available if based on the same information the other 2 reporting agencies have.

credit score Primary tabs A credit score is a number between XXXX and XXXX that serves as a numerical representation of a persons creditworthiness. The higher the score, the better an individuals chances of securing a loan since a higher score suggests a greater likelihood that an individual will repay a loan on time. 

The score is calculated based on an individuals credit history, which includes the number of open accounts the individual has, his/her repayment history, and the amount of debt the individual has ( see also credit report ). 

The XXXX score, created by the XXXX XXXX XXXX, is the most commonly used credit scoring system and is currently used by 90 % of top lenders. 
credit report XXXX tabs A credit report is a detailed written account of a consumers credit history, as prepared by a credit bureau using financial information collected from creditors. This information includes a consumers identifying information ( current and previous addresses, Social Security number, and employment history ) as well as their history of loans, credit cards, bills, accounts, payments, bankruptcies, and credit searches. 

Lenders use credit reports to determine each loan applicants creditworthiness. In order to obtain these reports, lenders are required to follow the procedures laid out in the Fair Credit Reporting Act. The Fair Credit Reporting Act requires that each of the XXXX credit report bureaus ( Equifax, XXXX, or XXXX ) must supply consumers with a free credit report once a year. The XXXX also entitles consumers who are on welfare, unemployed ( and seeking employment ), victims of identity theft, or subjects of adverse action ( such as denial of credit, insurance, or employment ) to a free credit report from each of the reporting agencies. 
XXXX XXXX XXXX XXXX is the acronym for XXXX XXXX XXXX, as well as the name for the credit scoring model that XXXX XXXX XXXX developed. A XXXX credit score is a tool used by many lenders to determine if a person qualifies for a credit card, mortgage, or other loan. XXXX scores also determine the interest rates a person would pay or their credit limit. Higher scores generally correlate to a better likelihood of getting a loan, and better interest rates for those loans. Scores range from XXXX to XXXX. A score below XXXX is deemed poor, and persons with this score are viewed as risky. A fair credit score is any between XXXX, good between XXXX, and very good for XXXX. Those with an XXXX or above are deemed exceptional.