davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (GA)

RentDebt Automated Collections - XXXX - XX/XX/XXXX Opened- I am requesting that this tradeline be removed from all three of my credit reports. Back in XX/XX/XXXX, I moved into XXXX XXXX  XXXX XXXX. In XX/XX/XXXX, I put in my 60 days notice to the property after hearing about break ins at the property. ( XX/XX/XXXX ). During my transition in XX/XX/XXXX, I returned to my property at XXXX and confirmed that my unit was broken into. My unit was next door to the leasing office ( gated community, but access to units on the sides of gates for non-residents to enter ). I filed a police report with XXXX XXXX Police Department ( Case # XXXX XX/XX/XXXX ) and notified the property. I was advised that no balance was due after me submitting my 60 day notice, along with moving for safety after my property was destroyed and items were stolen. I was later contacted by RDAC regarding a debt owed to the property that they were collecting on. I received no documentation or proof of this debt being owed. The collector is trying to collect on a company that is permanently closed, shortly after the multiple break ins that took place after mine. This account continues to be on my reports after many years. Ive been told by agents that if paid, it will be removed, but no proof of pay to delete when requested. Small payments were applied after confirming they would settle for what was paid within the 30 days and no deletion of the trade line. The account reflects as OPEN and reports as Collection monthly. I contacted the management company that purchased XXXX XXXX  XXXX XXXX  ( XXXX XXXX, purchased in XX/XX/XXXX ) and had no knowledge of the company or debt. I also reached out to the new company of the address ( XXXX XXXX XXXX XXXX ) and they also have no knowledge of the company or debt.
Consumer complaint received 2024-08-09
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. (MN)

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, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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. (NY)

I received a copy of my XXXX, Equifax, XXXX credit report, and noticed late payments that need to be deleted. It is as follows : Creditor Name : XXXXXXXX XXXX Account number : XXXX Creditor Name : XXXX XXXX XXXX Account number : XXXX Your agency has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below.

15 USC 1681b ( 2 ) - permissible purpose of consumer reports. THE LAW CLEARLY STATES : IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 


I did NOT give your agency written authorization or written instructions to report this information. 

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

XXXX, Equifax, and XXXX have violated my consumer rights as well, which is noted below. 

15 U.S. Code 1666b - Timing of payments ( 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. 

This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of XXXX of my character and they have committed XXXX identity theft, because I did not give them written permission to report this information. Which is a violation of 15 USC 1666b.

15 U.S Code 1681a ( 2 ) ( a ) ( i ) Definition ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You're not following federal laws and that's a violation. It clearly states that with this law as well, I am demanding you to delete the above late payments from my consumer report. 

Remove the remaining of the late payments on these accounts and remove all remarks defaming my name, XXXX card services has to be deleted since its a taxable income XXXX to be exact. XXXX XXXX XXXX  SHALL change the status to paid and closed like it says on all the other bureaus. Since that's another violation according to 15 USC 1681 S-2 if the other bureaus reported status say paid and closed with no late payments you have to follow the same protocol, all 3 bureaus are getting the same information so your agency is knowingly reporting false information. 

You have 7 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report or I will be seeking legal action against your agency for these damages. 

Best regards, XXXX XXXX
Consumer complaint received 2024-05-15
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. (CA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-07-31
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (FL)

I opened SoFi checking and saving account on XXXX XXXX, and transferred XXXX XXXX  From XXXX and XXXX XXXX  cash out from XXXX XXXX but on XXXX only XXXX after account open, they restricted my account and dont allow me to move in or move out funds in my account. I have call them immediately and after several phone call, they told me is because my fund from XXXX not showing XXXX XXXX as my name, instantly XXXX XXXX, this is my XXXX  name that I used many years and I have contacted XXXX to verify XXXX XXXX is XXXX XXXX in email and forwarded to SOFI. And now is one months after my account restricted, and I dont get any updates from SoFi , and their agent only told me that is still under review and can not give me any time frame, please help me! Currently fund in my SoFi account is XXXX
Consumer complaint received 2024-05-15
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)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

I'm also a Citibank account holder of XXXX years standing. I have a current and savings account with the bank. Both accounts have been frozen for XXXX weeks and counting, and I'm unable to access any of them because a check I cashed for a returned security deposit was wrongly deemed fraudulent. 

I'm currently traveling overseas, and I will save you the trouble of spelling out how not having access to my bank accounts for over a week has caused tremendous difficulties, the fees I will be charged as a result, and the distress from receiving an email saying that my accounts are closing. 

I've been unable to speak to anyone in Citibank customer service who has agreed to put me through to a manager, and I've spent countless hours on the phone, unable to ascertain what happened and how I can resolve the issue. I still do not know what happened or why I can not access my accounts. 

Last week, I asked a friend in New York to walk into XXXX of the Citibank XXXX branches and ask for a manager so I could speak to someone on the phone who could help me. The branch manager was able to verify the check and has now put in the request to overturn the block and close my accounts. He told me I must wait two days to see if it works. 

In the meantime, I wrote to the XXXX of XXXX. XXXX Banking. The exec response team called me and explained that my account had been unfrozen but that I wouldn't be able to access them until I received a physical replacement debit card, which after hours of phone calls, was mailed to me. Today, I tried four times to activate the card online, and it didn't work. I have tried to call back the exec responsive team and am now awaiting a callback.

Please help me resolve this. I haven't been able to access my bank accounts for two weeks now, and I'm now facing major financial hardship as a result.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-15
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. (IL)

The company is reporting information without my consent. According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove the following items. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AL)

I had XXXX accounts with Coinbase pro and Coinbase with the email XXXX and the accounts were compromised and hacked so Coinbase closed all my accounts at Coinbase pro and Coinbase and I could not get my money back or my assets in cryptocurrency in both accounts. Coinbase took a possession of all my cryptocurrencies assets in both accounts and requested that I o-en a new account so they can transfer my money and cryptocurrency from the old accounts to my new account. So I o-need a new account with a different email which is XXXX and I emailed Coinbase several times to transfer my money and my cryptocurrency from my old accounts to my new account but they NEVER DID. They NEVER responded to my emails and they never transferred my money from the old hacked accounts to my new account and they never responded to requests and my emails. This is a FRAUDULENT COMPANY. COINBASE IS A FRAUD AND A THIEF. They stole my money and are not responding to my requests to get my money back from the old accounts. This company Coinbase needs to respond to my requests and refund me and transfer all my money from the old accounts to my new account
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (CA)

Dear Exeter Finance LLC I've noticed Exeter is releasing information to the XXXX party credit bureaus which are on my credit report : I DID NOT CONSENT to do so which is in violation. 15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section XXXX ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In addition, Exeter sent a repossession agent to take my motor XXXX on XX/XX/year> XXXX within seconds of me leaving into the XXXX XXXX The Co-Owner and myself proceeded to tell them to stop and not to take the motor XXXX. One agent held me against my will as I was trying to access my XXXX while the other agent entered his vehicle and ran my foot down over. 
There was a witness who had observed and gave a statement to law enforcement. 
( Video Footage Available Upon Request ) State Farm claim department was contacted and concluded with their investigation. XXXX XXXX offered {$5000.00} coverage for medical expenses. 
Since the that date, I suffer from severe emotional distress from the public humiliation caused by Exeter and its repossession agents. 

This was a direct violation of : ( California XXXX XXXX XXXX ) Breaching the peace means that the repossession can not involve bodily force or threats and they can not take property over your oral objections. The objection does not have to be loud or done with force. You must simply tell the repossession agent not to take the car.
Consumer complaint received 2024-05-15
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: EQUIFAX, INC. (TX)

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 2023-08-14
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: EQUIFAX, INC. (MI)

Equifax response to complaint CFPB XXXX was simply " XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU ''. They then alleged non-monetary relief was provided with " DESCRIPTION OF NON-MONETARY RELIEF Equifax reviewed the complaint, relevant documents, and completed an investigation where applicable. '' However, if they'd conducted an investigation under maximum possible accuracy standard required under under 15 U.S. Code 1681e they would have reviewed the documents and realized information furnished by a data furnisher, but that is false/misleading, is patently prohbited within my federal district. If a bank informs a clien that no ACH was presented for payment, and XXXX alleges a return code of R03, indicating an inability to match the biographical info provided with the account number implies an error on the part of XXXX, and likely implies XXXX never submitted the authorization. Such an occurence is not the fault of a consumer and can cause a damage to a consumer. An account that is then charged-off as a result of such an error then causes further damage to a consumer. That is what happened in this case. And, if the onl thing Equifax can conclude from CFPB XXXX, then there should be no adverse account history to include no derogatory payment statuses, no derogatory narratives, and no derogatory indicators for the account/tradeline. The payment history nor derogatory status indicators, nor worst deliquency, was verified. Thus, any and all derogatory information should be removed for this account.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-15
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)

There is Information that is on my consumer report that is a result of identity theft and are in VIOLATION!. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Under 15 USC 1681b Permissible purposes of consumer reports Subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates I NEVER gave ANY consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT The identified transactions are not information related to any transaction by me the consumer. DELETE IMMEDIATELY!!! 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC 1681c-2 A Consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft within ( 4 ) days from the receipt of this notice. I look forward to your prompt action.