davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
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: Experian Information Solutions Inc. (VA)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX, I sent two letters, referred to hereafter as " XXXX Opt Out '' and " Request 1099-C '', to XXXX Customer Service XXXX I received confirmation that letters were received. To date, I have not received what I asked for and XXXX is still reporting information post opt-out and I have not received any requested documents from XXXX.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This public record or XXXX XXXX XXXX account is fraudulent due to I have never done business with your XXXX party vendors XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.. and I never give me them my express written permission to put anything on any of my consumer reports or they should not have any of my personal non public information. 

I do not recognize the XXXX party vendor that Transunion get their data from, nor did i ever done business with them for them to have my nonpublic personal information. The aforementioned account are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that the aforementioned account are the result of identity theft and fraud. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block the said account, in this CFPB complaint from my consumer credit file or consumer report within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to my private email address listed in this complaint.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX or 2023 a checking account was fraudulently opened to Bank of America with my information. I immediately had it closed and took their advice to have my information with XXXX " frozen '' as a way to prevent this from happening again in future. 

Unfortunately, I have continued to have multiple accounts opened under my information even though my information is frozen with XXXX and can not be accessed by BOA. 

It would seem they are opening up accounts without following their own controls and not in compliance with federal financial regulations. Please help me understand why this is happening, what can be done to stop this, and quite frankly if any laws have been broken.
Consumer complaint received 2024-05-27
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-27
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. (SC)

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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. Account Name : XXXX XXXX  Account Number:XXXX  2.Account Name : XXXX XXXX Account Number:XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC (TX)

XX/XX/2023 : I was a victim of a XXXX scam. The scammer posed as one of my friends from high school and created a XXXX XXXX. The XXXX posted stated that he received a promotion and therefore is selling furniture and other items. I inquired about an item that was for sale and we agreed Id purchase these items for a deposit of {$350.00}. I sent the {$350.00} through Zelle on my XXXX XXXX XXXXXXXX XXXX app to who I believed was my friends wife. Shortly after sending that money I read comments from mutual friends under the original post and realized I was a victim of a scam. I felt used and so sick to my stomach. I was taken advantage of. I immediately called my bank to report the incident and take the next steps to get my money back. I also did my best to protect others from this scammer by reporting the zelle recipients email.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Case Reference Number : XXXX CFPB File Number : XXXX This complaint is a REBUTTAL to a response from XXXX XXXX dated XX/XX/2024 regarding a dispute on the above CFPB File Number and Case Reference number & also previous disputes regarding this account. 

You've responded to my previous DISPUTE with a statement stating that you have reported accurate information. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, stop providing me with information I did not ask for. 

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXXXXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - Capital One is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE
Consumer complaint received 2024-05-31
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. (IL)

PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. Account Name : XXXX XXXX Account NumberXXXX 2.Account Name : XXXX XXXX Account NumberXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 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 any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (IN)

Bridgecrest has repeatedly failed to provide accurate information when I have requested help with my auto loan with them. The stress, frustration, and sheer anger I have experienced with them is BEYOND comprehension. 

Yesterday, I called to ask about payment options and that I could only complete one months payment. The rep pretty much ignored what I say and kept insisting and asking me OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER 2-3 times my payment. I am aware my account is past due and have been very transparent about why I fell behind. 

She quickly rambled off numbers at the speed of sound got snappy when I told her she needed to repeat everything she said. I asked about modifications and payment plans but was told I have {$900.00} in insufficient fund fees. {$900.00}!?!?! I asked if she meant NSF and she said no. 

I was puzzled because she was not explaining things to me in a way I could understand. I have not used my 6 modifications allowed the life of the loan or 2 per year. She kept pressing me about making a large payment on the phone with her at that very moment. If I am calling to ask for an extension, etc, that OBVIOUSLY means I wouldnt be able to pay the entire past due balance. 

I previously had a rep ask me REPEATEDLY if my baby daddy could help me with my payment because she heard kids in the background. B**ch, what?! 

I have NEVER dealt with such rude, disrespectful, inconsiderate, poorly trained people in my life until XX/XX/2020 when I doomed my sanity by entering into a death contract with Bridgecrest.
Consumer complaint received 2018-07-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (PR)

Since XX/XX/XXXX, I have been trying to work out a loss mitigation option with my mortgage bank and it has been really difficult. They do not have a loss mitigation office in Puerto Rico, where I lived and always sent the documents late, through XXXX. 
As an example of this problem, I am submitting evidence of two letters. The first one is a letter of Informal Forebearance Agreement dated XX/XX/XXXXsent to me by XXXX on XX/XX/XXXX., as a consecuence of recieveing it late I was not able to act on it in a timely manner. 
The sencond letter, is a Decline letter dated XX/XX/XXXX, in which it informed me, that I had until XX/XX/XXXX, to appeal, but I received the letter via XXXX on XX/XX/XXXX. 
This has been the usual pattern of the mortgage bank, sending the documents late and not giving me enough time to act on them.
Consumer complaint received 2023-03-16
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. (MD)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number : 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. 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 2024-06-21
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Consumer complaint received 2024-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

My father prior to his death in XX/XX/year> had opened numerous credit account without my knowledge, and was paying on theses accounts monthly. When he passes away we started getting phone calls from the various card companys demanding payment. It was then we realized what had happend and do not have the ability to pay off his dept.
Consumer complaint received 2018-07-20
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: EQUIFAX, INC. (PR)

I am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, XXXX, and Equifax and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE INFORMATION BEING FURNISHED TO MY CREDIT REPORT AS LATE PAYMENTS. I'VE CONTACTED EACH CREDIT BUREAU VIA CERTIFIED MAIL. I HAVE NEVER BEEN LATE ON ANY ACCOUNTS ACCORDING TO 15 USC 1681A ( 2 ) I, TRANSACTIONS AND EXPERIENCES ARE TO BE EXCLUDED FROM A CONSUMER REPORT, AND FURNISHING A LATE PAYMENTS IS CONSIDERED A TRANSACTION AND EXPERIENCE. FURNISHING THIS IS IN VIOLATION OF MY CONSUMER RIGHTS. 

I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681B ACCORDING TO 15 USC 1681I ( 7 ), EACH BUREAU MUST PROVIDE THE FOLLOWING PROTOCOL OF HOW THEY CONCLUDED THIS INFORMATION. WHICH HAS NOT HAPPENED, SO NOTHING HAS BEEN VERIFIED OR VALIDATED.

LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Consumer complaint received 2023-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

XX/XX/01 I received a text that my password had changed, moments after I received a message that my 2-factor security settings had been changed. I spoke with a rep at Coinbase moments after receiving the messages who told me the transactions equaled {$4000.00} and that my account was locked. 
I called the following day to follow up and was told that my account was not locked and that the transaction had gone through and I owed coinbase {$5000.00}. 
It has been 4 days since this has happened and coinbase has not helped me to regain access to my account. I have sent in my ID per their request 3 times. The last email I received coinbase stated that they are clearing out my holdings to recover their loss and stated there is still a balance that I owe for the loss. They acknowledge the security breach and have provided me with information about the breach. Coinbase has failed to keep my account secure, failed to block a fraudulent transaction, and failed to protect me as a consumer.
Consumer complaint received 2018-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, Transunion, and XXXX and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.
Consumer complaint received 2024-05-31
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. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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