davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Regional Management Corporation (TX)

I previously filed a complaint about Regional Finsnce harassing me. I was sent a cease & desist form which I filled out & sent to Regional Finance. I put my number on the do not call list. This company continues to harass me with repeated phone calls, letters, voice mails. I received a letter from them today, & today I was contacted again by an XXXX number. I continue to block their number but they continue to call me from different numbers. This type of harassment should be illegal and it probably is. I want this harassment from Regional Finance to stop,
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: CITIBANK, N.A. (PA)

My consumer report is showing a closed account from CITI, but it has an updated balance which should not still be reporting on my consumer report this account needs to be removed immediately. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent which I did not provide. Without this information this account needs to be removed.
Consumer complaint received 2024-05-13
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-06-22
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: EQUIFAX, INC. (TX)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Consumer complaint received 2024-05-13
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. (GA)

I want the XXXX authorized user account from my credit report. By the FCRA I have full control over what gets reported to my credit report. Please remove the XXXX Authorized User account from my credit report.
Consumer complaint received 2024-05-13
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-13
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)

Good afternoon. I'm XXXX XXXX on XX/XX/2024 I checked my consumer credit report. There's a lot of inaccuracies and malicious items that are hurting my chances to life a better a life. I would like for them to be removed immediately. Thanks.
Consumer complaint received 2024-05-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (TX)

I was involved in a XXXX XXXX XXXX XXXX process since XXXX and have patiently worked effortlessly for almost 5 years to recover some of the money scammers and fradulent caused in the XXXX & XXXX XXXX You may XXXX search this extremely significant event that caused pain to millions of consumers. In XXXX, the bankruptcy was finally resolved by the judge and the bankruptcy was coordinated Coinbase as the partner to distribute the $ I was scammed of in XXXX. 

Due to this elevated Traumatic Event, I wanted to move the cryptocurrency off my Coinbase account immediately on XX/XX/XXXX to my own wallet and have it sold to dollars to my bank account. 
XXXX XX/XX/XXXX, Coinbase illegally locked my account when I tried to sell and remove the bankruptcy recovery. 
XXXX XX/XX/XXXX I contacted Coinbase to unlock my account and provided my SSN, My United States Identity Documents , and a selfie of authentication. The agent told me my account would be unlocked after XXXX hours. 
XXXX XX/XX/XXXX, I contacted their company again to escalate the case to unlock my account. The agent emailed me they needed to reset my password this time and resubmit my documents again. I followed their instructions and the company notified me they will escalate the case and unlock my account after a few days. # XXXX -On XX/XX/XXXX, I was suddenly sent an email to survey the resolution they provided for my case. I never received a resolution and I'm 100 % sure they closed my case without consent and providing appropiate contact with me. 

-As a result, on XX/XX/XXXX, I am escalating this significant case to CFPB. Coinbase illegally locked and is holding money that was recovered to XXXX XXXX XXXX who was the claimant of the entire XXXXXXXX XXXX In the fine print and their documents, Coinbase claims they will securely store and custody the money of the customer. These past actions breach their contract with me and they are illegally locking my finances and barring actions on my account they never provided communication they could have. 

Please refer to the following document on what Coinbase claims to provide to their customers. XXXX XXXX XXXX.coinbase.com/en/coinbaseXXXXcoinbase-XXXX
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

Report of Unauthorized Accounts and Inquiries XXXX XXXX XX/XX/2023 To Whom It May Concern, I am writing to report several unauthorized financial activities and accounts that I recently discovered on my credit report. Upon reviewing my credit history with my XXXX XXXX credit counselor on XX/XX/XXXX, I was alarmed to find several accounts and inquiries that I did not authorize or recognize. The details of these discrepancies are as follows : Unauthorized Accounts : 1. Navy Federal Credit Union ( NAVY FCU ) - Multiple revolving accounts and an overdraft account. 

2. XXXX XXXX ( XXXX XXXX ) - An open account linked to the original creditor " XXXX XXXX. '' 3. XXXX XXXX - An open account linked to the original creditor " XXXX XXXX XXXX XXXX '' 4. XXXX XXXX XXXX ( XXXX XXXX ) - An open account associated with " XXXX XXXX XXXX XXXX XXXXXXXX XXXX. '' 5. XXXX XXXX - An open account linked to the original creditor " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' Unauthorized Inquiries : 1. XXXX XXXX 2. NAVY FCU It has come to my attention that there's a particular account associated with a XXXX in Texas and a subsequent eviction. I would like to categorically state that neither my wife nor I have ever resided in Texas, let alone a XXXX. We currently own XXXX properties in Georgia, XXXX in XXXX and another in XXXX. The information suggesting that someone was living in a Texas XXXX and faced eviction is entirely foreign to us. 

I have never given consent, verbally or in writing, to anyone to open these accounts or make these inquiries on my behalf. I was completely unaware of these unauthorized activities until XX/XX/XXXX at XXXX pm when I spoke with my credit counselor. 

The integrity of my credit report is of the utmost importance, especially since I am in the process of seeking to purchase a new home. Any discrepancies or inaccuracies could have significant implications for my financial well-being and plans. 

I am gravely concerned that I may be a victim of identity theft or fraudulent activities. I kindly request that a thorough investigation be initiated into these unauthorized activities. I am more than willing to cooperate in any way to ensure that this matter is resolved and that the perpetrators are brought to justice. 

I truly appreciate your attention to this pressing matter and thank you in advance for your support and assistance. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/2024 I requested XXXX  an also Experian that this Collection account is in Major Violation of FCRA Law an to be removed. This account is Reporting as Closed With a Past Due! 15 u.s. code 1666a-b accounts that are charged off and closed accounts can not be reporting past due.
Consumer complaint received 2024-05-12
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. (NY)

I was a victim of identity theft Where they open multiple accounts in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2020-09-16
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: Navient Solutions, LLC. (MA)

Dear Manager ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-12
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
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. (AL)

Per my records and communication, the payments for XX/XX/XXXX and XX/XX/XXXX was extended to XX/XX/XXXX and XX/XX/XXXX. The company has reported them as late payments. A payment was submitted XX/XX/XXXX and XX/XX/XXXX. The company reported the late payment as 90 days late and then charge off the account without further communication. The account was settled on XX/XX/XXXX for XXXX with would make the written off balance XXXX. The company has reported still reported the written off balance as XXXX which is incorrect. The bureaus refuse to change even valid the evidence. This has a significant impact on my creditworthiness
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies one of those consumer agencies that I'm aware of is EXPERIAN and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. EXPERIAN is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, XXXX XXXX, failed to provide me with the necessary disclosures required under GLBA and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.
Consumer complaint received 2024-08-01
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-05-12
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: Experian Information Solutions Inc. (DE)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-12
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Dispute of Inaccurate Credit Report Information Dear Credit Bureau , I am writing to dispute information that is not accurate on my credit report. The items I dispute are also encircled on the attached copy of the report I received. 

The following account ( s ) are reporting inaccurately : 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 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 I request that these items be deleted as soon as possible to reflect maximum accuracy on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus must thoroughly investigate items in question that I have disputed ( 15 U.S.C. Section 1681i ). The FCRA also states that you must promptly delete any information which can not be verified ( 15 U.S.C. Section 1681i ).

I kindly request a written confirmation from you once the inaccuracies have been rectified and the changes have been reflected on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX I have upload proof of address and my social security card.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

On XXXX XXXX I submitted a Loan consolidation app to XXXX, the confirmed they received it and so did Advantage on XX/XX/XXXX. Between XXXX XXXX XXXX shows on my Financial Activity Document that 10 loans totaling around {$100000.00} were consolidated and removed from XXXX. 

On the Federal Student aid site it reflects this consolidation and removal of Loans from XXXX. My current loan balance is about {$12000.00}, which are 2 consolidation loans I have at XXXX. 

I have consistently been calling AidVantage to ask the status on my loans and they told me repeatedly until XXXX that the process was still going and delayed because of the the waiver deadline. In XXXX, 6 months after my initial Consolidation app and with zero notice from AidVantage I called and inquired about my delayed outcome. AidVantage told me that they denied my consolidation application in XXXX. 

XXXX says they don't have the missing {$100000.00}, AidVantage says that they didn't consolidate my loans, Federal Student Aid said they can't tell me where the missing loan balance resides. AidVantage is the only servicer handling consolidation loans for XXXX, so i do not understand where else my loans could have been sent. 

I have checked my credit report and I do not have any loans showing up anywhere other than XXXX. I am pursuing Public Student Loan Forgiveness and need these loans to show up so that I can get credit for them.
Consumer complaint received 2024-05-12
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. (PA)

XXXX and Experian claims that the information being reported is " verified as accurate '' while XXXX deleted this information from my consumer report as the information was incomplete and now I am demanding, pursuant to section 623 ( b ) ( 1 ) ( D ) of the FCRA I demand that it is deleted on all consumer reporting agencies.