davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX || Date : XX/XX/2023
Consumer complaint received 2023-10-11
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

On Wednesday, XX/XX/XXXX, I received a call from a Chase representative that someone tried to open a credit card in my name. They denied the application and called me. I checked my XXXX account to verify the accuracy of the claim. It was indeed. Working with XXXX, they removed the hard inquiry from my report.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX, DE XXXX. 
Dear Sir or Madam : I am writing to dispute a late payment attributed to my account ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX replacement ). I am a victim of identity theft, and I did not have control of this account on multiple occasions since XXXX of 2022. My XXXX XXXX XXXX accounts, personal e-mail addresses and personal devices were compromised during this period. Changes were made to this account including payment information that I did not authorize. 

I am requesting that the late payment be removed from my account and that I receive accurate statements going forward. 

Enclosed are copies of the Identity Theft Affidavit, credit monitoring fraud alerts and a subset of police reports supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs. 

Please investigate this matter and correct this error as soon as possible.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received a box of documents from a relative and found paperwork of 4 student loans in which I did NOT authorize by my official signature to proceed. They appear to be electronically signed with my name but without my authorization or my personal signature.

The original 4 loan amounts loan dates are as follows : Loan # 1 XXXXXXXX XXXX XX/XX/XXXX for {$20000.00} Loan # 2 XXXX XXXX XX/XX/XXXX for {$14000.00} ( the promissory note for this loan # XXXX has my forged signature on the document ) Loan # 3 XXXX XXXX XX/XX/XXXX for {$7800.00} Loan # 4 XXXX XXXX XX/XX/XXXX for {$2500.00} Per my credit reports, these are now under Navient. Ive tried a few times over the past several years to dispute my claim that I am NOT the co-signer on these 4 loans  and I have asked several times for documentation/promissory note copies from the services to provide proof otherwise and they do not seem able to cooperate.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: B9, Inc. (CA)

I submitted requested to transfer XXXX from my own B9 account to my own XXXX XXXX account, B9 declined transaction. I tried XXXX, B9 declined. XXXX, B9 declined. When I looked at my B9 account there was a pending transaction for XXXX. I told B9 no transactiom for XXXX was requested XXXX XXXX has no tramsaction for that amount as I did not submit one. B9 insisted XXXX XXXX needed to submit a settlement to clear the transaction. I called XXXX XXXX and was told they can not submit a settlement for a transaction that they have no record of. I called B9 back and was told this is an automatic system hold and it will clear on the XXXX. I asked for a supervisor and asked what reason they were holding my money. The funds are going from me to me and they said there is nothing they can do. I did not request or authorize a transaction for XXXX. B9 initiated the transaction for XXXX plus their external wallet fees of XXXX on their own. I have XXXX months plus of bank statements that show B9 transferring my funds as requested XXXX and a separate transaction for external wallet fees XXXX. How can B9 hold my funds for no reason? How can B9 generate a transaction for an amount I did not authorize? I understand they can charge a fee but that is a separate transaction. This makes me wonder how many transactions have they changed my amount or charged without my permission. They are holding my funds and I can not feed my child. I am a single mother with a XXXX child who works XXXX XXXX. My direct deposit just hit and this was all of my money going from myself to myself what other permission is needed. I was told no management person has a direct line and I could not speak to anyone else. I was told there was nothing that could be done my funds were on hold until the XXXX. Nobody knew their fee of XXXX but B9. B9 WAS THE ONLY ONE THAT COULD GENERATE THE TRANSACTION FOR MY REQUEST PLUS THEIR FEES. AGAIN I CAN NOT FEED MY CHILD BECAUSE THEY CHANGED MY AMOUNT AND THEY ARE HOLDING WITHOUT MY PERMISSION FOR NO REASON. HOW CAN YOU JUST TAKE SOMEONES MONEY? ALL OF THEIR MONEY?
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

Please understand that the details in my credit report are inaccurate. It includes name, addresses, employers and inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Common Wealth Mortgage Services (UT)

On XX/XX/XXXX  I contacted my mortgage loan servicer ( Intercap Lending ) to inquire about closing my escrow account with them so that I could assume the payments myself as they failed to properly assess my previous years taxes resulting in a greater than expected shortage on my escrow account. I spoke to their VP of default servicing who assisted me in removing this account and ensured me that I would be receiving a check in the mail for the current balance on my escrow account ( {$1700.00} ) so that I could apply that towards my property taxes. On XX/XX/XXXX I was approved for the closure. Per CFR 1024.34 I was advised that I would be receiving my check in the mail within 20 days. I contacted their office on XX/XX/XXXX  to inquire on the status of the refund and did not receive a reply. I attempted to contact them again on XX/XX/XXXX  and XX/XX/XXXX  again did not receive a reply. Today ( XX/XX/XXXX  ) I was able to speak to a representative and was advised that no escrow refund checks or checks of any type were approved to be sent back to me. I was told to contact the individual whom I worked with however he is out of town and unresponsive. My county tax bill has been sent to me directly and I am to make payment within the next month or face penalties. The loan servicer will not release a check and is currently in violation of CFR 1024.34 as the 20 day deadline has passed.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

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 2023-11-12
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: CLGF Holdco 1, LLC (TX)

I disputed this account in XX/XX/2022 stating that this account was sold, and that CB Indigo/GF continues to report onto my XXXX credit report. The attachments show that the account was sold twice and each time I review my credit report, I continue see CB Indigo/GF continues to report onto my credit report which is a detriment to my credit report. I do not owe this company money.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

Coinbase locked my account over a year ago to verify my identity. They requested some documents that I provided. From paystubs for past 3 years from different employees ( even previous ones ) to my tax documents etc... I have been collaborating with them for for a long time now and provided everything they asked for and answered every question. Every time they send a e new email with new requests. I asked them multiple times to ask all questions and request at once since everytime it takes more than a month for them to review my responses and come up with new questions! I have called their customer service too and no resolution. I am not able to do anything with my account for more than a year. And now it has come to the point that they ask one question at a time in an email after a month of their last one! They are just dragging the process for no reason.
Consumer complaint received 2022-11-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-10-11
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumbeXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  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 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TRUIST FINANCIAL CORPORATION (FL)

The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 XXXX certified and registered mail. regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX. XXXX has no knowledge of nor has XXXX  ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. XXXX XXXX is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question.

In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 

This is a breach of contract and an adverse action for exercising my rights. 

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Consumer complaint received 2023-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

My credit score was hit multiples time by a debt I never had from the company below for the amount of {$880.00}. I've never received a loan from this company or ( XXXX ). All debts I currently owe are in good repayment status. The disputed debt in question was never mine and I never received any money from this company or ( XXXX ) in my bank account. 

XXXX XXXX XXXX Date opened XX/XX/2023 Status Collection account. {$880.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$880.00} Balance updated XX/XX/2023 Historical info Original creditor XXXX  Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX I sent over a letter requesting inaccurate information to be deleted along with proof : XXXX XXXX  BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I recently reviewed a copy of my credit report in Equifax. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have them removed from my credit report.
Consumer complaint received 2023-10-11
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)

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2023-08-22
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: EQUIFAX, INC. (PA)

I mailed Equifax a letter requesting that they reverse some late payments that is reporting on my credit report. I informed Equifax of the laws that are in place that prohibits my payment history being reported on my consumer report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

I got locked out of my account from a XXXX  transaction, I called in to provide ssn, birthday, credit card number in order to regain access to my account, but they said unless i have my account number, which i never got a check book, they will not help. I need to access the account to pay bills and they are refusing to help with all the credentials I have given them.
Consumer complaint received 2024-10-04
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 2024-10-04
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 am writing to formally dispute the following accounts. 
I am protected under the Fair Credit Reporting Act ( FCRA ), and I wish to assert my rights as a consumer. The following accounts have been reported in violation of my privacy rights : Account Name XXXX XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681, Section 602 A, I have the right to privacy, and under Section 604 B, a consumer reporting agency can not furnish an account without my written instructions. Therefore, I request that you delete the above-listed account from my credit report immediately.

Please take note that failure to comply with this request may result in a fine of {$1000.00} per violation, as stipulated by the FCRA.

I appreciate your prompt attention to this matter and look forward to your confirmation that these unauthorized accounts have been removed from my credit report.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

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 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 2023-10-11
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. (GA)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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.