davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
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. (FL)

On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 


I haven't given these accounts written permission to furnish these accounts on my credit report as well
Consumer complaint received 2023-10-30
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. (TX)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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: CLGF Holdco 1, LLC (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Consumer complaint received 2023-09-22
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. (DC)

I have been working with Experian for over 5 months now to get the incorrect information on my credit report to be removed. I have never applied for credit card XXXX and XXXX. I have individually submitted police complaints and relevant information to both the banks. They have not responded, and Experian refused to work further on investigating. I have made multiple calls to Experian, and they have been extremely unprofessional and rude.
Consumer complaint received 2023-09-22
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)

On XX/XX/2023 XXXX XXXX responded to my Consumer Financial Protection Bureau complaint XXXX stating that the late payments were accurate. XXXX XXXX failed to assure that I XXXX XXXX the consumer received all statements before the due date. How can XXXX XXXX complete an investigation without contacting the consumer for a declaration to verify accuracy? I never received a call or email about this investigation of this billing error. XXXX XXXX failed to provide a Method of verification.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

We were trying to deposit checks to via mobile app on XX/XX/XXXX to Chase bank but we weren't allowed to. We called Chase on XX/XX/XXXX and they said it is because they are closing my business account. The only reason they provided was " fraud ''. I tried to take out money in a branch on XX/XX/XXXX to start a new account somewhere else but they said they could not give me any of my funds. I had {$14000.00} in available cash in the account and asked for {$9000.00} but they refused to give me any money.
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (FL)

I started a complaint under XXXX XXXX XXXX XXXX XXXX the credit agency stated still in review on XX/XX/XXXX the responded to me verified. 

Now how is this possible its fraud and the company reporting is fraudulent as they are reporting an address I dont live at and also I have never done business with them. 

There is no written documentation giving them consent to do business with them or having financial obligations
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The account on my credit report from XXXX XXXX XXXX. Is reporting in accurate information on my credit report. 
This vehicle was paid off in XXXX XXXX XXXX 

It does list that the car is paid off as far as the balance. However they are showing that I have late payments on the car as of XXXX XXXX XXXX Which is incorrect as there are no payments owed at all. Its reporting directly on each credit bureau.
Consumer complaint received 2023-12-05
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. (VA)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

XXXX-Good Morning : I went online today on my personal banking to pay mid month bills and noticed my balance was higher than it should have been. I searched for my Mortgage payment and did not see if on my XXXX XXXX  online account, XXXX XXXX XXXX XXXXXXXX  as well. I then went to my Citizens Bank Mortgage account and did not see my payment posted. I tried to call to see if there was a problem posting payment and the XXXX number provided on website was not available for after hours XXXX. I searched contact us and no secure message available or email to inquire on account. I was in a panic as I always make my appointment at month end for next months payment or on the XXXX. 
There was another phone number available for online questions, but both the automated system and the live person wanted my social security number, which I was not comfortable providing. So, did not get assistance and decided to make a payment so the payment would be posted on Monday XXXX XXXX. 
I have never that I can remember had a late payment on my Mortgage or had a payment made so late in the month. I did not receive an email regarding payment. I feel like the Mortgage Department should have after hours availability and you should be able to send a message or email them on the account. I have had issues signing on each Month, have had to make a phone call one month to make a payment as the online would not work and have had to change my passwords frequently. The online account constantly asks me to set up auto pay, which I have heard complaints about with this Bank. I am concerned about my access after hours and not being helped when you need it. I also think the online help should have access to the Mortgage accounts so they don't have to ask for my social number. It did not seem like this was a request they normally get. Your Mortgage account is very important and they should be available for issues which occur after hours for online banking. This bank does not have any branches in GA or throughout the US, so online access should be readily available. I will call on Monday, to confirm receipt of payment and advise of the issue and that I have filed a complaint with CFPB. I did receive an email confirmation, but it normally takes many days to post to my checking, which is another issue with Citizens. I make payments at end of Month to post on the XXXX of the month and it gets posted to my bank on XXXX or XXXX. Thank you
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I filed a Bankruptcy XXXX  XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX  XXXX, Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted Fifth Third bank, Bankruptcy Department explain what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXXA specialist from Third Fifth bank, Bankruptcy Deparment named XXXX XXXX told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited one mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the Fifth Third Bank had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

I spoke with the XXXX Florida branch manager ( on XXXX ), XXXX, and he said that the bank provided notices, through the bank states and not through formal notices, that the bank was going to start charging a fee for XXXX. I do not think it is a fair practice to start charging the fee and only announce the fee on the bank statements. The bank has a process of notifying customer, through notices, that the bank is going to start charging a fee. I did not get a notice and I do not think the bank was fair about this. I went in and tried to close the account as soon as the fee hit to see if I could be refunded and the branch manager refused. This is not a sound and fair practice from Chase and I am disappointed.
Consumer complaint received 2023-09-22
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (NJ)

My name is XXXX XXXX and now Im a victim of fraud!. Someone in another state open a credit card in XXXX XXXX under my name. I called them several times, and no one give me an answer. They transfer the calls. I never open an account with that bank. Please I need to delete this issue from my credit report.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I've discovered a billing error!! 12 CFR 1026.13. I've noticed XXXX XXXX reporting my personal information to third-party companies such as consumer reports XXXX, XXXX XXXX XXXX without my written consent. Security fraud. 15 USC 1601, ( 15 USC 1605 ) 15 USC 1635 A- B
Consumer complaint received 2023-04-12
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: NCB Management Services Inc. (AZ)

This company has refused also ignored my notices in the mail to verify the account that I have conditionally accepted with proof. NCB MANAGEMENT refused to acknowledged my certified notice.. i have mailed, sent a cfpb XXXX and XXXX complaint and they refuse to report accurate information on my consumer report.. NCB Management was removed from my XXXX and still remains to XXXX and XXXX. I also didnt recieve the 3 disclosures before furnishing negative report on my consumer report
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several inaccurate and inconsistencies on my credit report. TransUnion, XXXX, and XXXX have been contacted via phone and mail about any and all errors on my reports but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my XXXXXXXX XXXX report provided by XXXX and my credit report from TransUnion, A dispute response from XXXX. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

XXXX Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX but there are 2 extra addresses on my report. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 
My account Balance are inaccurate and inconsistent. TransUnion and XXXX are the same, but XXXX is different. 
My payment history is missing payments on all my accounts. 
My report has XXXX XXXX XXXX accounts that don't belong to me. One for XXXX and XXXX. 

XXXX Report : My payment history is missing payments on all my accounts. 
My report has an inquiry from XXXX that I didn't authorize. 

TransUnion Report : My payment history is missing payments on all my reporting accounts. 
My report has an inquiry from XXXX  XXXX XXXX thatvI didn't authorize. 
My report has XXXX XXXX cards that don't belong to me. One for XXXX and XXXX.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Assistance Inc (WA)

On the XXXX of XX/XX/XXXX, I travelled to a XXXX XXXX XXXX XXXX XXXX retail branch located at XXXX XXXX XXXX XXXX # XXXX, XXXX, XX/XX/XXXXXXXX. The retail branch XXXX, XXXX XXXX, processed my payment for {$3100.00} in cash ( USD ) toward an auto loan. My payment brought the account balance to {$0.00}. 

XXXX XXXX provided a signed statement to detail the transaction and current balance. 

On the same day ( XXXX of XX/XX/XXXX ), I initiated disputes with all three credit reporting agencies : XXXX, XXXX and XXXX. Included with each dispute was a copy of XXXX XXXX 's written statement and a statement transaction to detail account transaction between the XXXX of XX/XX/XXXX to the XXXX of XX/XX/XXXX. 

The statement transaction highlighted my payment of {$3100.00} on the XXXX of XX/XX/XXXX. 

XXXX and XXXX updated my credit information on or before the XXXX of XX/XX/XXXX ( approximately XXXX business days later ). 

XXXX refuses to update my credit information, and as of the XXXX of XX/XX/XXXX claim to have verified the balance of the auto loan has not changed. 

This is the second complaint I have filed this year against XXXX for failing to perform the due diligence necessary to report accurate information.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc. (CA)

I contacted Coinbase on XX/XX/year> to inquire as to when they would credit my merchant refund back to my Coinbase card, because the merchant had sent the refund to me through my Coinbase card on XX/XX/year>. I waited two weeks with hopes the {$200.00} refund would post, but it just sat in my transaction history as processing. 

Coinbase help number : XXXX In XX/XX/year> Coinbase acknowledged they were experiencing issues with refund delays but assured me they would post my refund and it would be in my account the next day, which should have been XX/XX/year>. However they did not follow through on their promise and the transaction still shows as processing. 

It is now Saturday XX/XX/year> and my Coinbase card refund has still not been credited as you told me it would. 

This is my money, not Coinbases to keep. The merchant sent me the money and Coinbase is taking their time giving it to me. This is crazy. 

I have been a longtime and loyal customer of Coinbase but this kind of treatment is something I can not and will not accept. 

Its downright shameful, and likely illegal, that Coinbase is holding my money hostage the way they are, failing to follow through on a promise that was made to refund MY money. 

Please help. Thank you kindly.
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NY)

Aldous & Associates im unware of this debt i did not have tje oppurtunity to dispute this information if in fact you believe you gave proper notication plezsr send me the certified mail with my signatuer on it sign stating i receive it. and furhish proof that you are license and bonded to collect a debt i donnt believe you can collect in tje state of New York
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

7 years ago I had purchased a vehicle for an ex that came to the point where the payments were to steep, we were told that the vehicle was out for repossession and with in the month was gone. 7 years later experian still shows its open and XXXX XXXX does a hard credit pull with out my permission causing my score to be to low to grind a place to live for my family and I I reached out to a lawfirm that sent a letter to both XXXX XXXX  and all three cra. 34 days later experian or XXXX XXXX has not responded.
Consumer complaint received 2023-05-05
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. (PA)

Last year I received several notifications that my information was exposed in several mass data breaches such as the Equifax data, XXXXXXXX XXXX XXXX and XXXX. In result of these breaches my information was used to open multiple fraudulent accounts and make charges to existing accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone.
Consumer complaint received 2023-12-26
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: MoneyLion Inc. (MI)

I have been attempting to dispute fraud on my credit report for months, experian keeps denying it and not blocking the information. 

their last resonse to me was for me to call some lady, and that number continues to go to voicemail. This needs to be taken care of. 

by the FCRA i just need to send the FTC affidavit ( which only allows 5 companies ) a copy of my id, and a bill with my name and address on it. 

they are also refusing to remove an XXXX account that is being reported wrong, even after I have sent them a copy of the administrative judges order. 

these fraudulent accounts are XXXX XXXX XXXX XXXX XXXX XXXX moneylion XXXX XXXX XXXX XXXX ( n which i currently have an open fraud investigation with the FCC/FTC ) these need to be BLOCKED. 

of course I will be filing seperate complaints about each of these companies shortly..