davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XX/XX/2022 XXXX XXXX  Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

My checking account ( XXXX ) was held by PNC Bank. On XXXX the account was hacked and a total of {$36000.00} was fraudulently withdrawn to payoff a credit card unauthorizes transactions. 
After many weeks of bureaucratic procedures the bank returned a total of {$34000.00}. A balance of {$2500.00} hasn't returned yet. It has been almost a year now and it appears the bank ignores my request to have my money retuned in full.
Consumer complaint received 2023-07-10
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: CITIZENS FINANCIAL GROUP, INC. (GA)

I just login to my XXXX XXXX and see banks been tired to open, loan application also, collection that I didnt do theres a lot from XXXX Law-15 USC 1681- XXXX collection {$1900.00} XXXX call me and said I have an bal of XXXX Citizens call me said I have a XXXX XXXX call me and said a XXXX XXXX  call me saying a XXXX check was deposited and they close my XXXX XXXX XXXX XXXXXXXX business call me saying a XXXX check was deposited and they closed my account Nobody told me what to do how to go about it so Im reporting everything to get off my credit I didnt make any of these charges or tried to open any accounts i only have XXXX XXXX XXXX via 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 XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have since then reported these accounts as made my identity theft, along with a identity theft report because I have no knowledge of the accounts. You were made aware of this before and after XX/XX/XXXX with an identity report attached about the following accounts. Consumer Law states that this must be removed in 4 days of notice of identity theft. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Account Number : XXXX - XXXX XXXX XXXX XXXX Account Number : XXXX SECTION 605 A 15 U.S. CODE 1681 C-1 and SECTION 605 B 15 U.S. CODE 1681 C-2 support my claim against identity theft while stating : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} PER violation. I want XXXX per violation of the removal of the accounts. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

If you do not immediately remove this information, I will file a formal complaint with the FTC.
Consumer complaint received 2023-03-20
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: Island Finance Puerto Rico (PR)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX Wells Fargo Card Services XXXX XXXXXXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness XX/XX/XXXX XXXX XXXX XXXX XXXX Charged off turned into a certificate of indebtedness According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. 15 U.S. Code 1681 ( E ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. I have the right to make sure my private information isn't shared which is backed by the 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic person information. '' 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. '' Furnisher of information to credit agencies is a financial institution by definition by definition under that title 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ''
Consumer complaint received 2023-02-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: American Credit Acceptance, LLC (FL)

5 years ago, I purchased a XXXX XXXX with XXXX XXXX the loan was with American Credit acceptance for {$11000.00}. I've been making payments on the vehicle for about 3 and when I asked how much I still owe them I was told {$11000.00}. The ended taking back the vehicle. They called and harassed me at various hours of the morning, so I blocked the number and now another company is calling me called XXXX XXXX XXXX XXXX saying I owe them money. Each time they've called me they have threated to take my property and take money from my account. They've sent letters to my house, having people knocking on my door, and scaring my kids. I have no idea what these might do next. They've been lying about serving me papers about having me in court. I've never seen anyone but my kids because I'm not home. I am in Georgia trying to setup a business and I can't focus because of this company. My wife has calls me a few times and she is also worried about these people. I don't know what to do so I researched what to do and filed a complaint.
Consumer complaint received 2023-02-28
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. (GA)

XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$79.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AAMOUNT {$300.00} XXXX XXXX XX/XX/XXXX AMOUNT {$300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$1300.00} I have been trying to get in touch with these companies it has been unsuccessful.
Consumer complaint received 2024-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : [ Last 4 Digits ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Immediate Action Required - Discrepancy in Credit Report Information and Demand for Inquiry Removal Dear TransUnion, I am writing to express my serious concern and to seek immediate action regarding discrepancies in my credit report, specifically concerning unauthorized hard inquiries. 

On XX/XX/XXXX, I received an unsolicited email from your organization regarding inquiries on my credit report. Following this, I had a conversation with one of your representatives. After a detailed review, they assured me that there were no hard inquiries on my report. This information was crucial for me to understand and manage my credit status appropriately. 

However, upon reviewing the mailed copy of my credit report, I was dismayed to discover hard inquiries listed, which directly contradicts the assurances given by your representative. This misrepresentation is not only misleading but also potentially damaging to my financial reputation and credit score. 

Under the Fair Credit Reporting Act ( FCRA ) and the Michigan Identity Theft Protection Act, I am entitled to accurate and fair reporting of my credit information. The discrepancy in the information provided by your representative constitutes a severe breach of trust and potentially violates consumer protection laws. 

Therefore, I demand the immediate removal of these unauthorized hard inquiries from my credit report. Failure to address this issue promptly will compel me to take further action, including filing formal complaints with regulatory bodies such as the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I expect a written response within five ( 5 ) days of receipt of this letter, confirming the removal of these inquiries and providing a corrected copy of my credit report. It is imperative that this matter be resolved expeditively and in compliance with legal standards for consumer protection. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX acct XXXX XXXXXXXX {$17000.00} In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report.

The credit bureau stated that my account was properly investigated but how is that possible when no prove of my signature was sent me in regards to this company. Also the account opening dates are inaccurate. This is grounds for removal they also violated my rights under 15 U S C 1681 Section 602 states I have the right to privacy. 15 U S C 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish a account without my written consent. Also states that this item was sold to another company, in which I still have no proven obligation to.
Consumer complaint received 2024-01-10
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: MoneyLion Inc. (NJ)

Please remove all my fraudulent accounts immediately. I was victim of identity theft and trying to get my life back on track is the furthest thing from easy. I had much success removing things due to my identity theft but they're are still some companies that are not following proper protocol when it comes to validating my " debts. '' I have asked for verification of debts, I have submitted countless paperwork including ftc reports and police reports but nothing is getting done. 

Accounts include : Account name XXXXXXXX XXXX XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX I will submit my paperwork here again to show you show whats going on. 
Thank you for your help.
Consumer complaint received 2024-01-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Green Bay, Inc. (WI)

After moving out of a rental I was sent a Security Deposit Closing Statement with the entirety of my security deposit returned. The place was spotless although there was a charge for carpet cleaning that told me I was being sent to collections in 5 days. This gave me no chance to respond, the carpets were perfectly clean, we had cleaned them ourselves. After getting in contract with Landlord I was told it had already been moved to collections and they did not need anything form is. If there was damage or other maintenance beyond normal wear and tear it would have came out of the security deposit.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-02-27
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: EQUIFAX, INC. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023 I sent transUnion an identity theft reporter and ask them to look into information on my credit report that was fraudulent. Transunion has yet to block information I requested. Its been more than 4 days to which I have yet to get a response or notification acknowledging my complaint, violating FCRA under 15 U.S. Code 1681c2 ( a )
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Coinbase, Inc. (CO)

Coinbase disabled my connected bank account for ACH transfers, which I've used for four years, as recently as XXXX and XX/XX/2023 to move US Dollars between my bank and Coinbase, both ways. Now they are forcing bank account verification with XXXX, which requires sharing my bank login with a third-party that my bank told me they explicitly do not support and do not recommend I share my bank login with them. 

Coinbase 's help documents suggest you can do deposit verification if you don't want to use XXXX, or if your bank doesn't support XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These claims are, as far as I can tell, not true. ( I took screenshots of those articles ) Four different Coinbase customer support agents, last night and this morning, told me to use XXXX. They said XXXX verification is being shown to me because my bank has requested or required I use it. 

I called my bank and they said they do not support XXXX, and that giving my bank login ( username and password ) to an unapproved third party might break my contract and customer protections. So Coinbase misled me, consistently, by saying my bank was the one that must have finally " turned on their integration with XXXX '' and now I needed to use it. They told me that deposit verification was not an option for my bank. 

My service agreement with Coinbase includes the option to do ACH transfers at no cost. The other cash out options have fees. My recourse now is to go open a new bank account somewhere and then give XXXX access to it, and rely on that for moving US Dollars out of Coinbase. 

I'm looking for and not finding an announcement about this, which would have provided an opportunity to move money before these changes were implemented. And I think it's really not apparent from Coinbase 's help docs that XXXX is required for ACH transfers.
Consumer complaint received 2024-03-22
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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; 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 2024-02-22
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Glory LLC (ID)

To Whom It May Concern, I am writing to file a formal complaint against Credit Glory, a credit repair company, for their unethical business practices and violation of the Telemarketing Sales Rule ( TSR ). Despite recent litigation explicitly prohibiting up-front charges for credit repair services, Credit Glory charged me in advance for a service they failed to complete. 

In XXXX of XXXX, I engaged Credit Glory 's services to repair my credit. However, instead of adhering to legal standards and charging fees only after delivering the promised services, Credit Glory demanded payment upfront. This not only goes against the TSR regulations but also raises serious concerns about the legitimacy and integrity of their operations.

As a for-profit company, Credit Glory is obligated to abide by consumer protection laws and regulations. By charging me upfront, they have not only breached their legal obligations but have also failed to fulfill their end of the agreement by providing the promised services. 

I demand immediate action to rectify this situation. Additionally, I urge the Consumer Financial Protection Bureau to investigate Credit Glory 's practices thoroughly and take appropriate measures to ensure that they comply with all relevant laws and regulations. 

Thank you for your attention to this matter. I look forward to a prompt resolution of this issue.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Status update XX/XX/2019 reporting charged off ... paid ... .and written off and a bal at the same time these reporting agencies have inaccurate information and is unfair which is a violation of my rights and should be removed immediately ....