davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-19
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (MO)

This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations
Consumer complaint received 2023-03-20
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: Convergent Resources, Inc. (TX)

XXXX has not removed or deleted inaccurate information reporting on my credit report. Convergent outsourcing HAS NOT provided PROOF OF OWNERSHIP OR VALIDATION WHEN ASKED. Convergent continues to report inaccurate information and even though I have sent letters and called XXXX, XXXX will not delete the inaccuracies. Letters were first sent XXXX XXXX and have continued to be sent to both parties requesting deletion. I also contacted the original creditor and they informed me that they are unable to verify account and it has been written off since XXXX
Consumer complaint received 2024-04-11
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)

After reviewing my credit report and attempting to dispute the inaccuracies with the accounts in question, they have not provided any solution and I know that in accordance with the Fair Credit Reporting act, these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX : Account # XXXX XXXX  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.

Not only have these laws and rights violated but also reporting different " Last Reported '' dates on the different credit reporting agencies which is another violation.

Please see the copy of the report displaying the different dates its reporting.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I filed a complaint on XX/XX/2022 about XXXX XXXX XXXX XXXX and the response from TransUnion said that they had deleted them, but they did not, all they did was just add the original lenders that were removed. We ask them to delete the XXXX XXXX XXXX account which was not accurate, they did not even mention it in their response, and as the same as XXXX XXXX, they added the original lender. In the XXXX XXXX account, a closed account that was removed, they are reporting late payments every month, damaging more my credit. I ask for all those accounts that have not been inaccurate to be removed, and their original lenders to be removed as well for incorrect information. PR telephone company with a XXXX of XXXX is also inaccurate information, I have actually account with them in good standing, please correct this. XXXX, XXXX and XXXX XXXX are repeated in collation agencies, this account as I said before they have inaccurate Information, they are to be removed. PR telephone company with charge off is incorrect, I have opened more accounts with them, have alway been in good terms. 
Please have this accounts permanently removed, and stop reporting closed accounts every month. 
XXXX. XXXX XXXX accounts XXXX. XXXX XXXX account XXXX. XXXX XXXX. XXXX  XXXX. XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO (PR)

My XXXX & I, we had Account # XXXX with XXXX XXXX, by the end of 2016, my husband XXXX. And we begin the process of Declaration of Heirs. When we had the Declaration document and all the heirs were present, we visited the Bank branch, but we could not complete the process, because the declaration was missing some XXXX stamps. At that moment we asked the XXXX to process the check, take the signatures of the heirs ( XXXX of them reside outside of XXXX XXXX XXXX, to retain the check, until we came with the stamps on the declaration, but they refused this request. and said account would remain inactive ( frozen ). But the claim is that if said account is inactive and nothing could be done until we could return with all the heirs present, because XXXX XXXX  continues to make monthly charges, profiting and decreasing my funds, which belong to me. At the beginning of this process, the balance was for {$1700.00} and currently owes it for {$1000.00} ( XXXX ). By XXXX, the claim was made to the Commissioner of Financial Institutions of PR, but they told us that they did not have jurisdiction. I understand that it is not fair, that if said account is frozen, it should be for both parties, and not XXXX XXXX, profiting from my money.
Consumer complaint received 2022-12-13
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. (PR)

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, 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 2023-07-13
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. (FL)

Credit bureaus fail to delete a bankruptcy account listed on my credit report stating that the public record was verified by a third party, XXXX XXXX. I called XXXX XXXX to check why they are still verifying an account that they delete from their record because they cant verified their accuracy more than a year ago. They state that it was deleted from their verified files but still remain in the unverified files. I requested they delete it from the unverified file and send me a new corrected copy of my record. They delete the file on XX/XX/2023 and send me a copy of my file corrected, but still show in my record with your Bureau.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning the accounts that you are reporting in my credit report.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. the [ FCRA 623 ( b ) ( 1 ) ] ( FCRA 15 U.S.C. 1681i, al inaccurate, incomplete and unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on your file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
If you dont investigate and respond.
Consumer complaint received 2024-06-21
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MP)

Towards the end of 2020, I notified Coinbase via email that my account had been compromised. I knew this because I tried to login and all of a sudden my password didn't work and I couldn't access my account anymore. I had my cryptocurrency in their " vault '' feature which meant the assets were supposed to be frozen for a period of several days from the time that a transfer request was made via my account. 

Coinbase eventually responded several days later and said that they were looking into my case further and had assigned an expert to investigate. By this point, I realized who had compromised my account, it was my former roommate and reported him to the police and FBI to no avail. Apparently the value of the account at the time it was compromised ( {$80000.00} to {$90000.00} ) was not enough to warrant an FBI IC3 team investigation. 

I then realized that my phone, email and other electronic devices were also compromised and had to get all new devices and phone numbers/emails. I have since tried to reach out to Coinbase via phone, email, regular mail, etc. and have never heard anything back from them. I even consulted with an attorney that specializes in arbitration and after reviewing their user agreement, he advised me to make a formal complaint directly to Coinbase which I did XXXX year ago and then again 6 months ago and never heard back even though in their own user agreement it stipulated that they would respond to formal complaints within 30 days.
Consumer complaint received 2023-03-10
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAVALRY INVESTMENTS, LLC (PR)

Since 2019, this is the last debt collector. 
Called, harassment me. Appears XXXX XXXX. Always was an mistakes never correct my last name. 
I lost my job in 2019, search for one. I don't have the lucky have a job. I can't paid.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-12-10
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MOHELA (PR)

In Accordance with the Fair Credit Reporting Act. 
The XXXX Account of 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 : Also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (CA)

On XX/XX/22 my cash app account was locked AFTER I deposited {$300.00}! I am not able to use my cash, speak with a human or use my account. I have contacted the company almost every since then and have not heard back.
Consumer complaint received 2023-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WI)

XX/XX/XXXX To whom this may concern : A few months ago I started having many issues with USBank online banking system. Maybe it is too big?! I thought. I apologize for not having all dates but given time I could find them. I have been banking with USBank for decades. By the end of XX/XX/XXXX it was getting so annoying that I started asking for help with other financial institutions Since the recent online format change with USBank the payments are not seen on both accounts for mortgage payments. It shows on one part of the dashboards - mortgage. Today I have taken USBank surveys and reported it. 

AND XX/XX/XXXX I tried calling US Bank online twice to make sure it was going to process. The first operator told me to use my debit card and we were disconnected. The second operator didn't ask verification questions told me that it was paid already.I don't know if this last payment was paid since it doesn't show on the account the money was taken from. And we were disconnected. Who should I believe? 

So many more complaints... 

I don't know how to report having to share my medical PII too. Should I? Nor do I know how to report one of USBank employees that gets frustrated with their computer system and pounds his fist into the counter top either. Finally I have been locked out of online system to purchase food. I have even visited my local PD for advice with them. The account was locked and I was blocked from turning back on to purchase food. 

What may I do? 

Thank you in advance,...
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I saw an ad for the XXXX XXXX credit card on the XXXX XXXX XXXX dealer website. The ad said get a {$100.00} statement credit after 1st. purchase at the dealer. I called several times the First National Bank of Omaha, XXXX XXXX XXXX XXXX XXXX XXXX on how to get the credit and about a long delay in receiving the credit card. I made the 1st. purchase on XXXX at XXXX XXXX XXXX. I called the bank on XXXX because I did not get the {$100.00} statement credit. I spoke with manager XXXX. He said I will not get the {$100.00} statement credit because I took too long to make 1st. purchase. The several telephone calls I made did not explain the time limit on 1st. purchase. I think 1st. Natl. Bank of Omaha should give me the {$100.00} statment credit.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

I was sent two separate cash app transfers from XXXX XXXX {$2000.00} and XXXX XXXX {$1000.00} on XX/XX/2021. Before I could deposit the respective amounts to my bank account someone hacked into my account and bought bitcoins with my transfers. I have tried calling cash app many times but could not get any help. I travelled out of the US on the XXXX of XXXX and just got back. while I was away contacted cash app through the mobile app but no resolution was provided. I do not have a bitcoin account and never had a bitcoin account. I recommended cash app ( square ) to reverse the transaction since it took place on their app but they say they could not. Both senders have also tried to recover their respective transfers from cash app but their efforts have been futile. I would like cash app to either send me the transfers or refund the senders.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-30
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. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I had a charged off credit card with Capital One Bank that was sent to collections in the amount of {$440.00}. I paid the debt off as of Monday XXXX the XXXX. I then disputed the collections report on my credit file through XXXX. They completed the dispute in less than a day and have reported that the status of the collections has not changed. This is incorrect as the charges were paid off before the dispute was filed to remove the report from credit file. This file is reporting that my account was charged off again in the month of XXXX when in fact the balance was paid off on XXXX the XXXX.