davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (CA)

After converting my entire ETH holdings to USDC on Coinbase and transferring them to my Coinbase XXXX wallet, I faced a major setback. The conversion alone cost me over {$600.00} in fees. Once the funds were in my XXXX wallet, every attempt to move them to an external account failed. 

Despite following Coinbase 's troubleshooting stepsreinstalling the app, signing in and out, clearing the cache, and morenothing worked. After an hour of back-and-forth with support, they admitted the issue was on their end but couldn't give a resolution timeline. 

Support suggested I periodically check if the transfer would work and apologized for locking me out of my funds. However, they offered no specific date for a fix. A quick online search revealed many others in the same predicament, with the problem dating back over a year. Now, my funds are indefinitely locked in Coinbase, with no clear solution in sight.
Consumer complaint received 2024-07-05
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2024-07-16
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I just checked my XXXX account today and I saw a collection account that I have no knowledge or idea of. 
Account Name : XXXX XXXXXXXX XXXX Account number : XXXXXXXX XXXX  Account Balance : {$1500.00} Date opened : XXXX XXXX XXXX Past Due : past due as of XXXX XXXX. 
I have no knowledge of this account until today I saw it as a collection account with you guys. 
I believe before you assign an account as a collection account you must have verified the information such as the debt validation letter, the original application with my signature, the payment history of the account to show proof as to how you came about with the account balance but am yet to ever have a communication with this company talk less of having the above mentioned documents. 
so I am requesting the following to be sent by mail within 2 weeks. 
- A debt validation letter and proof this company is able to collect this debt - Send the original loan application with my signature - Payment history to see how you arrived at the debt amount of {$1500.00} If your unable to provide me with this documents then you must delete this account from my report. I believe this information was not even suppose to be on my report without the above requested documents and communication established with me by the collection company claiming this debt is mine in the first place. If am not able to receive this documents then I reserve the right to sue for wrongly reporting my credit account as an effort to hinder me/ prevent me from getting certain benefits like loans or getting better interest rates as a result of knowingly and willfully reporting false information on my credit report without investigation
Consumer complaint received 2024-06-17
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. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-16
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. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-06-17
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. (NE)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am initiating a dispute and investigation as these accounts are wrongly listed on my credit file. Under the Fair Credit Report Act, I should get {$1000.00} per incorrect report. FCRA 605B obliges us to report any false accounts on a consumer 's credit report.
Consumer complaint received 2024-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am sending in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question : XXXX XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00} XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4900.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2100.00} -- -- -- -- -- -- -- XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00} XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$4700.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2100.00} -- -- -- -- -- -- -- TransUnion XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX CARD Date Opened : XX/XX/XXXX XXXX Balance Owed : {$7900.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed accounts. Please forward me the name and addresses of persons contacted. XXXX ( XXXX ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the accounts must be promptly updated according to Section 1681i ( a ).
Consumer complaint received 2024-06-17
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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. (TX)

There was a complaint submitted to the CFPB on XX/XX/year> for account XXXX XXXX XXXX. The complaint id is XXXX. You were informed to remove the account and remit payment to the address on the invoice due to your incorrect reporting, but this account is still reporting without validation of debt, and you failed to remit payment. XXXX and XXXX have since deleted this inaccurate information from my credit report so how are you still reporting this as accurate? You were already sent an FTC report and failed to remove this account therefore I am now seeking monetary relief for your negligence and violation of the FCRA. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the FTC report and the True bill attached. Remit payment to address on the invoice within 10 business days. If this account is not deleted and payment is not received, I will have no choice but continue with my intent to sue Transunion being that you were already notified numerous times, and this is now negligence.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-17
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 writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. 
The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00}XX/XX/XXXX XXXX Balance Owed : {$0.00}XX/XX/XXXXXXXX Balance Owed : {$2400.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXX Balance Owed : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}XX/XX/XXXXXXXX Balance Owed : {$2400.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance Owed : {$2800.00}XX/XX/XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have listed in the attachments how the reporting of this information is not fair and accurate. It violates of Fair reporting Act. You also stated this information was fair and accurate. The dates dont match. it's not reporting on all reports. This information is not correct and should be removed asap. Here are the accounts that need to be removed. XXXX. account number XXXX. date open XXXX XXXX XXXXXXXX XXXX Account number XXXX. date opened XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.