davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
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. (VA)

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( Account # XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on-time as they should be, as I was Never late. Thanks
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-01
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. (FL)

In accordance with the XXXX XXXX act 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 an account without my written instructions.
Consumer complaint received 2024-02-01
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)

This complaint is being filed against the furnishers of information and all three Credit Reporting Agencies ( XXXX, Equifax and XXXX ) for violating my privacy by reporting accounts on my consumer report without my verbal or written consent as it is required by law. Furnishers of information ( the financial institutions ) as defined in 15 USC 6801 do not have my consent to report my non-public private information. Although the credit reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumers right to privacy as stated under 15 Usc 1681. The Privacy Act of 1974 prohibits the disclosure of records about an individual from a system of records absent the written consent of the individual. Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions it states a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. So the reporting of my nonpublic personal information like my credit utilization is a clear violation of my federally protected consumer rights. 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 to whom the report relates. As it relates to 1681 ( b ) Permissible Purpose and 1681 ( c ) XXXX, Equifax and XXXX are all violating compliance procedures under this title. I reserve the right to disclose my nonpublic personal information to all non affiliated third parties. The reporting of the timing of payments and the credit utilization are not to be reported on my consumer report. My report should only contain one name and one address because I have one primary address all others are non mailable addresses. Im expecting that these demands be reflected on my consumer report immediately as permitted under 12 CFR 1016.7. It is my request that the furnishers of information provide documentary evidence of me giving them written consent to share my nonpublic private information with anyone in the form of a SSA-89 and or form SSA-3288.
Consumer complaint received 2024-02-01
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2024-02-01
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. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

coinbase has locked my account since XXXX and i've answered every email since then within 1 week with their requested information which are SO POINTLESS, i've showed my drivers license, me holding it with " coinbase verification '' on paper and more. they also take XXXX month to answer just give me more pointless questions like " do you have friends in XXXX XXXXXXXX XXXX like what?? im XXXX  i do not know anyone there. 

i've attached an image that shows me and coinbases email dates going forward and back, it's been forever and i just want my coinbase account to be unlocked. they're so inconsistant and have no idea what they're doing, i saw someone else contact you and you fixed it within a week i really hope you can do the same. 

my coinbase email is : " XXXX '' and the name under my coinbase account is " XXXX XXXX '' so they are able to locate my account to enable it. thank you.
Consumer complaint received 2024-02-01
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. (KY)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance XXXX {$9900.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (NC)

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION SPECIFICALLY MY PAYMENT HISTORY OF MY NAVY FEDERAL ACCOUNT BEING REPORTED. THIS FALSE INFORMATION IS SEVERELY IMPACTING MY CREDIT AND I HAVE NEVER BEEN LATE. 

I CONTACTED BOTH NFCU AND THE CREDIT REPORTING AGENCIES REQUESTING VERIFICATION OF LATE PAYMENTS, BECAUSE MY RECORDS INDICATE I HAVE NEVER BEEN LATE. I REQUESTED, VALID DOCUMENTED VERIFICATION, THE NAME OF THE PERSON WHO VERIFIED, AND VERIFICATION PROCEDURES. I HAVE NOT BEEN PROVIDED THIS INFORMATION WITHIN 30 DAYS. 

ACCORDING TO FCRA, 15 USC 1681A ( I ) UNVERIFIED INFORMATION MUST BE DELETED FROM CONSUMER PROFILE, 15 USC 1681 A-2-I, EXPERIENCES AND TRANSCATIONS OF CONSUMERS ARE EXCLUDED FROM THE CONSUMER 'S PROFILE AND 15 USC 1666B, BILL COMPUTATION ERRORS THAT INCUR LATE PAYMENTS MUST BE CORRECTED AND DELETED BY THE CREDITOR
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2024, I received a debt collection letter from the debt collection company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX Their phone number is ( XXXX ) XXXX. They are open at XXXX am to XXXX pm ( XXXX ), Monday to Friday. Their website is XXXX 

On the debt collection letter, it stated " This letter was produced on XX/XX/2024. '' The letter states " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX, XXXX as assignee of XXXX  XXXX XXXX. We will use any information you give us to help collect the debt. You had a credit card from Wells Fargo Bank , N.A . with account number _________. The total amount of the debt now is {$3600.00}. '' I do not have any Wells Fargo account. I do not do business with Wells Fargo. I do not owe Wells Fargo Bank, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-06
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. (TN)

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

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-23
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

This account was open XX/XX/2017, all payments made on time no problem at all with payments, company violated my right to credit, under the equal credit opportunity act, took adverse action on ID theft fraudulent account and closed accounts f XXXX dollars and another account of XXXX harming the consumer.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX 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 2023-05-10
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: Experian Information Solutions Inc. (TX)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
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. (NC)

I filed a complaint with the three credit bureaus regarding inaccurate items on my credit report. They ignored my complaint and accused me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and demand compensation for the damage they have caused.
Consumer complaint received 2024-01-31
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)

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Self Financial Inc. (WA)

On XX/XX/2023 a {$9.00} transaction fee was made by XXXX XXXX ( now XXXX. ) from my XXXX checking account. On XX/XX/2023, another transaction of {$3100.00} was made again by Self lender withdrawing from my same XXXX checking account. I have never had any contact with the company nor have I ever heard of the company until my checking account was compromised by Self lender ( also known as XXXX ). My bank- XXXX- was able to do a reversal on earlier withdrawals made from my checking and savings account but I was told by XXXX they can not go more than 60 days into a reversal per federal law, and the XXXX and XXXX transactions were made after the first withdrawal that occurred at the end of XXXX. 
I have called and emailed XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only get a standard form letters stating they are unable to give me the money back that they took out of my account without approval or authorization. I have included my e-mail as well as their response below. You will see my latest letter to Self. and their standard reply I was given each time I emailed them. 

Hello, I have enclosed XXXX documents from my bank, XXXX. They explained that it is federal law that they can not credit back the {$3100.00} + {$9.00} transaction fee because of the 60 day restriction that I believe XXXX must be aware of since they are in the business of lending money. It is your responsibility to refund me the money Self stole out of my account without doing proper transaction handling with the person my money was given to. 
I am giving you a chance to reimburse my account with the money fraudulently taken from me. My account number is -- -- -- -- --. I was advised that Self. is quite able to reimburse my account especially since the irresponsibility came from your end. If Self. still will not reimburse my account please put me in touch with someone that has more capability to do so or I will be forced to report Self. CFPB and the U.S. Dept. of Treasury, Federal Trade Commission and whomever else I must to get my money back. The lack of quick response on your part has put me in a financial crisis. 
-- -- -- -- -- -- -- -- -- XXXX, Thank you for getting in touch. 

If you are reaching out to let us know there are possible fraudulent transactions listed on your bank account, please work with your bank directly to dispute any payments as unauthorized as we are unable to facilitate the returns on our end. Your bank will issue a refund in the form of a chargeback. Your bank will also need to take steps to secure your bank account as well.
Consumer complaint received 2024-04-19
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: NAVY FEDERAL CREDIT UNION (IN)

XX/XX/2023 I had to get my dve to Inside to a malfunction.Upon rushing which I left the following items inside the glove compartment : My drivers licence, my wallet which contained XXXX cards including my, navy federal credit card ending in XXXX, my social security card {$1900.00} dollars. By the time I realized the items was still inside the car after a few days when I went to aamco where the car was towed to ; the items was missing. My navy federal ending in XXXX was charged XXXX during that time without my consent along with unauthorized inquiries being conducted and attempted withdrawals from my accounts along with my navy federal checking account. I called Navy Federal to inform them and dispute the fraudulent charges but not only did they deny my claim and closed my credit card but also reported the balance to the credit bureaus, thus ruining my chances for approvals with other lenders
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (NV)

Was given XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2024 Consumer # : XXXX but XXXX follow-up or email to file complaint. I lived in 3 states and had 10 different aliases. Was homeless in XXXX XXXX, XXXX  XXXX  year. No one investigated or arrested these criminal organization no government or IRS. You are well aware of but allow loophole. Even XXXXXXXX XXXX would help and most prey are elderly who do not know how to pursue complaint.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (CA)

NAVY FEDERAL CREDIT UNION CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT ID COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE NAVY FEDERAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: REGIONS FINANCIAL CORPORATION (LA)

There was a fraudulent credit card account opened without my knowledge at Regions Bank in 2018. I asked Regions to investigate and delete the account but they started the investigation and stopped even after I contacted them to let them know that I didn't open the account in 2018.