davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (WA)

On XXXX XXXX XXXX in a mail sent to Washington XXXX XXXX of the Attorney General and me, Coinbase Inc. wrote that " On XX/XX/XXXX, XXXX XXXX contacted Coinbase support expressing a desire to close his account. The previous day, XXXX XXXX had initiated XXXX sales of XXXX with the USD proceeds to be sent to his bank account ending in XXXX. Because the transaction and settlement of funds was still in process, Coinbase was unable to close the account at that time. '' On XX/XX/XXXX, I contacted Coinbase Inc. to request a copy of my personal financial record they stored in compliance with Dodd-Frank Act Section 1033. 

On XXXX XXXX XXXX Coinbase Inc. replied me and sent me a record that only includes information of my account 's cryptocurrency transactions. Later that day, I replied Coinbase Inc. that I specifically indicate I need the financial record of the bank transactions so that I can confirm what they claimed on XXXX XXXX XXXX 

On XXXX XXXX XXXX Coinbase Inc., they replied me with the same document they sent me on XXXX XXXX XXXX 

It is clearly that Coinbase Inc. fell under either of the following situations.

( 1 ) Coinbase Inc. stored my personal financial record regarding bank ACH transactions. But they refused to share them with me.

( 2 ) Coinbase Inc. provided false statement to Washington XXXX XXXX of the Attorney General and me on XXXX XXXX XXXX
Consumer complaint received 2023-11-15
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. (OH)

I reviewed my credit report on XX/XX/2023 from Experian and noticed an account in collections that I didn't recognize. I was never contacted by this collection company, nor have I ever done business with this collection company. This has been happening to my Experian account recently. I was extorted into paying a debt that wasn't mine with the help of Experian, which never investigated nor verified if the account belonged to me, yet it was allowed to exist fraudulently on my credit report. I am giving notice that I am disputing the validity of this alleged debt.
Consumer complaint received 2024-03-25
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. (MO)

I am writing to express my ongoing frustration and disappointment regarding the unresolved fraudulent items on my credit report. Despite previous attempts to rectify this matter, the fraudulent entries persist, causing significant distress and financial harm. 

As outlined in my previous communications, I have diligently provided all necessary documentation and evidence to support my claims of fraudulent activity on my credit file. However, it appears that these efforts have been in vain, as the fraudulent items continue to tarnish my credit history and reputation. 

I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that your team conducts a comprehensive review of the evidence provided and takes appropriate measures to rectify this egregious error. 

I expect a prompt response to this complaint, outlining the steps being taken to address the fraudulent items and a timeline for resolution. Additionally, I request regular updates on the progress of the investigation until this matter is satisfactorily resolved. 

Failure to take immediate and decisive action to rectify this situation will leave me with no choice but to escalate this matter to relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Consumer complaint received 2023-11-15
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. (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose In addition, it states everything on my consumer report is supposed to report to maximum possible accurancy under 5 USC 1681 e ( b ) as well as transactions, experiences, authorizations and approvals of credit are not included in your credit report under 15 USC 1681 a ( 2 ) ( A ) ( i ) ( B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My vehicle lease ended, I returned the truck and all payments were finalized. After many months I received a notice that my pending balance was going to collections. XXXX XXXXk never notified me of an outstanding balance, this dropped my credit score over XXXX pts. 15 years of good credit history and XXXX credit scores ruined from lack of communication from XXXXXXXX XXXX. The balance was paid immediately after notification of the charge off and should be rectified on my credit report.
Consumer complaint received 2024-01-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (LA)

Hello, My name is XXXX XXXX. On XX/XX/23 I inquired about a loan with Maxlend. They requested that I send my recent bank statements to see if I could get approved for a loan. A few hours later I received an email that my loan had been approved with a document that claimed that I had signed it. The only " signature '' was a check box then my name in the text underneath. However, I did not see this application until I was approved for the loan. I did not speak to anyone who said I had been approved nor did I fill out this form in any way. Roughly 20 minutes afterward they sent another e-mail saying the funds were on the way. I did not read these e-mails until a month and a half later. All information about the interest and principle was after the check box that claimed I had signed them.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (CA)

In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXX  account # 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 2023-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this company is in violation of the privacy act of 1974 it is illegal to report transaction history
Consumer complaint received 2023-11-15
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. (CT)

In XX/XX/2024, I financed a truck through XXXX XXXX XXXX XXXXXXXX XXXX XXXX. They ran 2 instead of 1 inquiry.
Consumer complaint received 2023-11-15
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)

I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXXXXXX XXXX reported late payments on my consumer reports in XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX ; XX/XX/XXXX ; XXXX, XXXX, and XX/XX/XXXX. 

I never gave XXXX XXXX XXXX XXXX written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 

This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.
Consumer complaint received 2020-07-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

Previously contacted Enhanced Recovery Collection on XX/XX/2020 with a letter of validation of debt as stated on the FTC website. The amount of 30 days has passed and I did not receive any form of communication on their part.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Experian Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX inaccurate address Account name XXXX XXXX XXXX  Account number XXXX inaccurate address I am requesting that these items be removed from my credit report. 

Please investigate this matter and delete the inaccuracies as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Notice To all Credit Reporting Agencies Listed with CFPB : As Of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 SSN # XXXX XXXX XX/XX/XXXX Phone : XXXX Self Employed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX email : XXXX To ALL CREDIT REPORTING AGENCIES : Please update your profiles to reflect the current name and address of my credit profile. Please delete/erase any other names, address, employment and phone number. 

The information provided in this notice will start from the date provided until I personally update otherwise. This is my ONLY name, mailing address, date of birth, phone number and employment status. 

Please REMOVE all other name ( s ), address ( es ), employers, emails and id numbers attached to my credit profile as they are NOT deliverable to me by U.S. Postal Service and they are not reportable as per FCRA since they are inaccurate. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (TX)

Took out a Payday loan with MAXLEND on XX/XX/XXXX for {$870.00} assuming the APR was 10 % or 35 %. Making payments first was XXXX and then every XXXX weeks {$210.00}. Then noticed I had paid {$1400.00}. Looked at my PDF paperwork ( should have checked when I got it ) that my APR was now 635.47 %. Total payment {$3800.00} in 18 payments up to XX/XX/XXXX. I paid them off on XX/XX/XXXX owing and additional {$890.00}. Making the total payout {$2300.00}. They profited {$1400.00}. I live in Texas which I checked gives them the right to set any APR. As of today ( XX/XX/XXXX ) they changed their " How it Works '' to say they will adjust the APR according to your current credit rating.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am a VICTIM of Identity Theft. I submitted a FRAUD CLAIM to the credit bureau ( s ) to have the items removed from my credit. report. After confirming the fraudulent charges with he companies, after the accounts were verified and CLOSED, However, EXPERIAN still reports the account ( s ) as open which causes a major impact on my credit report and scores. I sent Experian, XXXX and XXXX a copy of the FCRA - 15 U.S. Code 1681 ( c ) ( 1 ) ( a ) ( b ) ( I ) ( XXXX ), to have ALL the reported items removed IMMEDIATELY.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I started disputing this incorrect information for over a year now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-11-15
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. (DC)

Experian has been reporting a XXXX XXXX bankruptcy on my consumer and I would like to have it removed because it is violating my consumer rights due to the US Bankruptcy court does not verify with any credit bureaus any type of bankruptcies on consumer reports.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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.

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 2023-11-15
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  XXXX {$2300.00} XX/XX/XXXX XXXX XXXX  XXXX {$1300.00} XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NY)

I receive a cash back offer from synchrony mastercard In XX/XX/2018. " Get {$100.00} cash back when you activate then spend {$250.00} on your Synchrony Mastercard between XX/XX/XXXX - XX/XX/2018 '' Cash back in the form of a statement credit. I spent well over {$1000.00} using the card during the period noted ( all paid up to date ). I have communicated with a representative on at least 3 occasions XX/XX/XXXX, XX/XX/XXXX and  XX/XX/XXXX. During each of the conversations I was told they had issues on their end and would need two more billing cycles before I would see the {$100.00} reward. Its now XX/XX/2018 and they still have not released the reward credit. I need help!
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file : XXXX XXXX  XXXX Account Number : XXXX - inaccurate address I am formally requesting the removal of this item from my credit report. 

Please conduct a thorough investigation into this matter and promptly delete the inaccuracy. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-15
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. (CA)

I recently submitted a complaint against XXXX and Experian regarding collection accounts from XXXX XXXX that are listed on my credit reports. XXXX and Experian consistently list these accounts as VERIFIED and UPDATED without providing me their methods of verification for these alleged debts.
Consumer complaint received 2024-03-25
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. (MD)

While reviewing my credit report, I noticed several inaccuracies. I have a late payment on XXXX separate accounts that I in fact paid on time. The consumer reporting agencies have a duty to report information with complete accuracy. This account has not been late on these payments. I have attached some screenshots indicating the errors on the following : Account name XXXX XXXX  XXXX XXXX Account number XXXX Late Payment, XX/XX/XXXX Account name XXXX XXXX  XXXX XXXX Account number XXXX Late Payment, XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Late Payment, XXXX, XXXX, XX/XX/XXXX According to 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report 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 about whom the report relates.
Consumer complaint received 2023-11-15
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)

I recently viewed my consumer reports and noticed some unauthorized credit reporting. 
XXXX reported late payments on my consumer reports in XXXX, XXXX, XXXX, and XXXX of 2019. 

I never gave XXXX written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. 

This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.