davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Eastern Account Systems of Connecticut, Inc. (FL)

A cease and desist letter has been sent to this company due their ongoing harassment. They claim they never received the letter. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from me. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices. I plan on filing a civil suit against this company for harassment and all the credit reporting agencies that report this inaccurate information because I have asked that this information be remove from my credit report as soon as possible. As it states on the attached pictures from Credit Karma XXXX XXXX XXXX, is said to be the original creditor but on my actual report from XXXX and XXXX the original creditor is in fact XXXX XXXX XXXX. Which in that case I did not enter into a contract with XXXX XXXX XXXXM nor did I sign a legal binding document with this agency. So I am not responsible for this debt that they claim is mine nor are they allowed to have the debt reported or collect on such debt.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (IL)

On XX/XX/year>, I called First Advantage 's toll-free number : XXXX and requested a copy of my First Advantage consumer file disclosure. This was after a rental application informed me on the same day that my application was approved with conditions. I thought this was unusual because I thought I met all approval criteria. 

After I called First Advantage and provided them with my personal information, they informed me that I would receive my report within 2 business days. I ended up receiving my report on XX/XX/XXXX, which was 7 business days after my call. When I opened the report, it contained information about a person unrelated to me. I responded to the email with the report on XX/XX/XXXX and I said, " The attached report includes information that does not belong to me. It seems to be for a completely different person. '' First Advantage responded on XX/XX/XXXX with an email that said, Hi, Apologies for the delay. 

Password : ********* Thanks and regards Consumer Reports First Advantage | Our promise. Your success. 
Follow Us : XXXX | XXXX | XXXX Instead of stars, the password for the pdf report was included in the email, which I already knew from my first call with First Advantage. 

This email response did not at all related to my prior email.
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a student at XXXX, XXXX. I was looking for a place to rent and found this place on a XXXX group for XXXX students to look for housing XXXX XXXX XXXX XXXXXXXX housing sublets and roommates- XXXX XXXX It was posted by someone named XXXX XXXX. I contacted her on XXXX XXXX and she gave me the address XXXX XXXX XXXX XXXX, XXXX. She said she is a biochemistry incoming masters student at XXXX. She also gave me a video of the place which she said her brother took as she didnt contact the landlord. She gave me the number of the landlord whose name is apparently XXXX XXXX XXXX ( XXXX : XXXX ( XXXX ) XXXX ). I asked him if i could see the place in person to which he replied that XXXX might have shared the video and it was taken a week ago. Also he lives in XXXX and isnt planning to come to charlottesville soon. I didnt mind as I assumed the video was recent. He asked me to fill a rental application and charged {$100.00} which i transferred through XXXX on XXXX ( Shows the merchant name as Virginia XXXX on XXXX ) on XX/XX/XXXX. He also gave me a number earlier ( XXXX ) and I wasnt able to transfer it on this as it declined from my side. He gave me the lease and i signed it and asked me for security deposit and one month rent ( XXXX {$1500.00} ) through XXXX. I transferred it to XXXX ( shows XXXX XXXX as the merchant on XXXX ) on XX/XX/XXXX. He also gave me a number earlier which didnt work on XXXX  ( XXXX XXXX ). I deposited the amount and just went to see the place from outside the same day and realized that the video doesnt match the house and there were already people living in it. I asked him and made up some excuse that his friend wanted a place to stay so he gave it to them. Also I was told it was a 2bed/2bath house but when i went i saw it was a 2 floor house. I checked online and I found on zillow that it was last sold in XXXX. The landlord however gave me a certificate of ownership in which it showed he bought the property in XXXX. He also gave me his Indiana ID. All this while I was also touch with XXXX, the student whoI was confirming everything with including the fact that there were people living in the house. The moment i realized the video is different from the house and the property is not owned by this landlord I realized that the person XXXX and the landlord might be the same. I filed a claim at Bank of America though which i did my transactions and gave them the details they asked on XX/XX/XXXX itself ( the day i paid the XXXX deposit and saw the house from outside ). Also the XXXX XXXX i found them on, I saw multiple messages from random people describing sort of similar housing space posting on it. I think Im not the only person or they are targeting other people aggressively. Im 100 % sure this is a scam and i hope ill get some help. I am an international student and it has not been long here for me and that money is hard earned.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-07
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 sent certified mail on XXXX XXXX With a requst to remove a account, it was a removel letter and a XXXX  report they did not include on my file a copy of my driver license and ssn card. I talked to someone on XX/XX/year> at Equifax they said it was no XXXX Report on file and then i ask about these comformation numbers : Confirmation number : XXXX XXXX Confirmation number : XXXX Submitted : XX/XX/year> Confirmation number : XXXX Submitted : XX/XX/year> they don ; t see them.I disputed the same account with XXXX and XXXX they fix the problem. I believe Equifax are acting in bad faith, and have not complied with the Fair Credit Reporting Act they hiding information that has been sent in. I have maintained careful records of there actions.
Consumer complaint received 2024-05-29
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)

DEAR EQUIFAX I GOT UP ON MONDAY MORNING AND PULLED MY CREDIT REPORT I REALIZED I HAVE BECOME A VICTIM OF FRAUD/IDENTITY THEFT A CRIME PLEASE HELP ME TO REMOVE AND DELETE THESE FRAUDULENT ACCOUNTS FROM MY XXXX CREDIT REPORT.FIRST PROGRESS CARD IS A FRAUDULENT CREDIT CARD OPENED XX/XX/XXXX, ANOTHER LOAN XXXX XXXX XXXX  OPENED XXXX XX/XX/XXXX, ALSO ANOTHER LOAN XXXX XXXX OPNED ON XXXX XXXX XXXX, ALSO A FRAUDULENT COLLECTION XXXX XXXX XXXX OPENED ON XX/XX/XXXX, ALSO ANOTHER COLLECTION XXXX XXXX XXXX OPENED ON XX/XX/XXXX XXXX HELP TO REMOVE THESE.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am reaching out for your assistance regarding this incorrect account on my credit report. This matter has damaged my reputation, and I need your help. The improper handling of my credit report has left me devastated, and your inaccurate reporting has destroyed my reputation. Please correct these errors so I can have peace of mind with my family.
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (NY)

I am seeing on my credit report a collection from united collection bureau of the amount {$2000.00} this is a medical bill I am a victim of identity theft and I called them and told them such. 
This is a debt that resulted from someone stealing my identity.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my XXXX request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/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 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 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 XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-29
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. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX. Account XXXX : XXXX.
Consumer complaint received 2023-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc. (MI)

Today I noticed that there were several unauthorized charges on my XXXX XXXXt visa pay fare card through stride. One charge was posted today XX/XX/23, {$5.00} from XXXX XXXX There are also a series of charges listed as pending from several other online merchants, starting with XXXX XXXX XXXX for {$29.00}, XXXX XXXX XXXX for {$28.00}, XXXX XXXX XXXX for {$2.00}, XXXX XXXX XXXX for {$7.00}, XXXX XXXX XXXX for {$7.00}, XXXX XXXX XXXX for {$1.00}, XXXX XXXX XXXX for {$1.00}, and XXXX XXXX XXXX XXXX for {$1.00}. I suspect there may be two possibilities as to how this happened, the first being that my card was skimmed at a local gas station or restaurant as I visit them often while working as a XXXX. I also did some research on XXXX XXXX and found that my password to the virtual wallet had appeared in a data leak and was at a high risk of being compromised according to apples password page, which I was never notified of. I contacted the XXXX  support team, which is a subsidiary of the XXXX XXXX XXXX, and they told me they issued a support ticket for my issue and someone would contact me in 24-48 hours, although unfortunately there is no one available on weekends so Ill likely have to wait until Monday.
Consumer complaint received 2021-11-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Dear XXXX XXXX XXXX, XXXX, AL, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXX & XXXX, XXXX. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX Account # XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (OK)

I am trying to cancel the membership with Experian who only permit you to do so if you pay. Never have I ever seen such. I do not use the platform as I have no credit card or credit score. Utterly frustrating and nonsense from Experian.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Nothing was taken from me, im simply trying to verify my profile with coinbase for the past 1 year plus. Been in their chat multiple times chatting with support for probably over 24h at this point. And after sending all the required documents they keep sending me in circles. First they took over 3 months to review the documents, and then sent me a email that the documents have expired because they are older then 3 months. Then I re submited them and they use the excuse that they are really busy so its gon na take a while. I still precisted to write to them everyday with the hopes that I will restore my account access. Sadly it did not work, just waisted my time and energy. I have proof of them delay me for 30 days so far because I started recording the converstations with them. The last time they said I havent submited the right documents and I have SS of their customer support telling me ive submited all the right documents and just need to re submit them that was 30 days ago. So at this point Im hoping at least they can be held accauntable for making a fool out of me for over a year now. The documents I've submited are a Debit Card Statement dating from XXXX to XXXX, Bank Statement of the same Debit Card + copy of my national ID card.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NV)

I attempted on several occasions to receive my free report on XXXX website and also annual credit report and was unsuccessful. I contacted XXXX and a representative informed me that I was unable to get a credit report because they have my file mixed with someone by the name of XXXX XXXX same dob. My name doesnt even come close to that. That still does not matter how can you merge files and tell a consumer they are unable to un merge them so I dont know what is on my credit. It is the law for me to be able to receive a free credit report. I want whoever is responsible for putting these files together to be held responsible. That is unfair. I was also told by Experian XXXX XXXX that they are unable to provide me a credit report. I attempted calling to reset passwords and I was told in 7 days they will get back to me. It has been now 83 days and still no access or resolve
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached a letter and an FTC report with 3 collections that are reporting open on my Transunion credit report and that is a violation of the FCRA
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX Wells Fargo ( my bank since XXXX ) mailed two wire transfers to the XXXX XXXX XXXX in XXXX XXXX, CA ; one in the amount of {$10000.00} and the other in the amount of {$15000.00} without my authorization. 

Wells Fargo indicated there is no fraud and they take no responsibility. 
I have requested for these funds to be returned to me as I never have authorized this fraudulent transaction. 

For more details, I can forward the policy report I filed in the city of XXXX XXXX, CA where I reside. 

Also, I now have come to find out that WELLS FARGO is responding similarly to others suffering from the fraud experience as published the news media.
Consumer complaint received 2024-06-04
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. (NC)

Hard inquires : 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 XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i want to remove unauthorize hard inquiry from my credit report. Transunion. XXXX and XXXX Didn't authorize any of these company to run my credit report. 

HARD INQUIRES PARTNERS CREDIT/AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX VIA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.