davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (NY)

XXXX XXXX XXXX account was used without permission, IRS Tax Fraud was commenced by all involved parties and XXXX XXXX XXXX filed a dispute and was denied access to his funds which were government issued with insurance coverage and IRS TAX EXEMPTION VOUCHERS.
Consumer complaint received 2024-03-22
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. (NJ)

I Reviewed My Credit Report On XX/XX/year> And Noticed Several Inaccuracies For The Below Referenced Account ( Details Listed Below ). According To The FCRA, Whenever A Consumer Reporting Agency Prepares A Consumer Report It Shall Follow Reasonable Procedures To Assure Maximum Possibility Of Accuracy With The Information Concerning The Individual To Whom The Report Relates. 

XXXX XXXX XXXXXXXX The Open Date Is Not Reporting Accurately, The Date Of Last Activity Is Not Reported Accurately, The Closed Date Is Not Reported Accurately As All Dates Are Inconsistent For All 3 Bureaus.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Personal information incorrect
Company: Coinbase, Inc. (CA)

I logged in to my Coinbase account several months ago and it presented me with a popup asking me to confirm my information as they have to report that to financial regulations. 
I looked at the details and it had my Citizenship wrong. It was " US Citizen '' which is not correct. 
I contacted support several times but they are not willing to help me change it to my correct citizenship. The response I got was there system would not allow them to change it and there was no way for me to correct that info. 
I made sure they understood that the info was not correct. Their response was to close my account and open a new account. I can't close my current account because I'm holding crypto with my current account. 

I'm worried they will be reporting the wrong info wherever they are sending my info.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

My ex husband open a credit card account with USAA. He included my name on it without my knowledge. I found out during our divorce that he opened this account. I have called USAA and asked them to take my name off that account, so I just took a look at my credit account and see that is on there. Can you please help me and have it removed.
Consumer complaint received 2023-12-14
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (AL)

Paid half of the vehicle loan off 2 or 3 months before they repossessed the vehicle and my balance was XXXX. I was not given any information about the sale or auction of car. I received a letter stating that my vehicle was repossessed and I now owe more than XXXX but was not told what they were going to do with the vehicle and when. They did not give me any options for getting my car back.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (MO)

XXXX XXXX {$140.00} XXXX XXXX {$77.00} XXXX XXXX {$270.00} Jefferson Capital Syatem {$5900.00} XXXX XXXX {$710.00} XXXX XXXX and XXXX XXXX need to verify the debt or remove said debt.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-19
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. (TX)

15 U.S. Code 1681 ( B ) - Permissible purpose I am reporting identity theft for all 3 consumer reporting agencies who are reporting late payments on my credit report. For the following accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX I never provided written consent to consumer reporting agencies to show late payments. This is fraud. All 3 agencies must provide evidence of written consent with my signature and date of submission or delete all late payments from my consumer report immediately.
Consumer complaint received 2023-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (AL)

Wakefield and associates just popped up in my credit. I have no knowledge of this debt. Never received documentation about this debt to properly dispute alleged debt. I dispute this debt. Please send over any ALL ORIGINAL WET SIGNATURE DOCUMENTATION for this alleged hospital debt. 

PLEASE ALSO SEND YOUR CONTRACT FOR ORIGINAL CREDITOR STATING THAT I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (WA)

On my driver 's history report pulled up by my insurance, it is listed that I had a traffic light or sign violation on XX/XX/2022, which is impossible since I was not living in the country at the time. I have tried calling LexisNexis multiple times but their automated answering system does not allow me to leave a message, only routes me to complain online.
Consumer complaint received 2017-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (FL)

X/X/14    had   XXXX   XXXX  . I was  XXXX   XXXX   XXXX . My parents insurance paid part of debt.  Parent  signed for financial responsibility however collection agency put Debt on my credit report. They have not been able to provide prod of financial responsibility signed by me on  X/X/14
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

Breach of Trust. Trustees of the listed companies and the credit reporting agencies have a duty and oath and obligation to administer the Trust in the best interest of the Beneficiary. Eye am the Beneficial Owner to XXXX XXXX XXXX XXXX XXXX. 

The listed transactions are XXXX XXXX cause an error was made as the SOCIAL SECURITY number has been shared with these companies without legal consent and authorization from the Social Security Administration. The Beneficiary for the XXXX XXXX did not autograph nor sign form XXXX. These accounts are unauthorized : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$260000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00} This is my follow-up to my previous complaint.
Consumer complaint received 2018-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: KEYCORP (UT)

Over the course of 4 outgoing phone calls to KeyBanks Customer Service Line totaling 178 minutes I was still unsuccessful in getting the " other charges '' waived when attempting to pay-off my loan. My issue I have is when my home went into a foreclosure status in the first 4 months of the loan I paid roughly XXXX to bring it current and I am left wondering why I didn't pay those attorneys fee 's at that time. Now I am getting charged randomly throughout the last 2.5 years for attorneys fees. Ironically I got the information to the actual attorney to get this problem resolved and he was someone I knew personally so I gave him a call. My main goal I would like to argue with KeyBank is why those fees weren't issued in the beginning when I brought my loan current and why was it such a hassle to get this information from them. Again I spent almost 3 hours of phones calls to get no where it seemed like and I am still left wondering why. These phone calls took place as follows. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 55 minutes I was transferred to collections which the lady explained to me as my account being current and almost immediately was going to transfer me back to CS before I stopped her explaining I had just spent 40 minutes with XXXX ( employee # XXXX ) in CS. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 26 minutes ( XXXX ) no success here. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 35 minutes XXXX ( employee # XXXX ) -> XXXX  supervision XXXX ( customer service department ) no success here, but a phone call back with a voicemail with not enough information causing me to spend over an hour with the next CS Rep. I got down below. 

XX/XX/XXXX @ XXXX XXXX Outgoing Call to XXXX for 1 hour 2 minutes XXXX was finally able to provide the name of the attorney I have a huge problem with how many employees I had to speak to and how they had no clue of how things worked almost just shrugging their shoulders and saying I don't know, but I'm sorry this is happening.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This account was settled per the settlement agreement attached yet XXXX XXXX did not report it to the credit bureaus that the account was settled. 

Also, this was a corporate account and should not even be on my personal credit report. 


Thank you, XXXX XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights
Consumer complaint received 2023-02-19
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. (TX)

While reviewing my consumer reports, I found my consumer rights have been violated. In Accordance to the Fair Credit Reporting Act. 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( I ) States the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. 
XXXX Experian, XXXX is reporting late payments for XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX,, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX  is an experience created by credit usage 15 USC1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the
Consumer complaint received 2023-04-24
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. (NC)

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 section 605 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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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 15 USC 1681.

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 inructions 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 2024-03-22
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)

I am writing to dispute unauthorized inquiries and fraudulent accounts listed on my credit report. These inaccuracies are a result of identity theft and do not reflect my financial history. I request an immediate investigation and removal of these erroneous items to restore the accuracy of my credit report.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (NC)

I took out a TD retail card for XXXXXXXX XXXX XXXXXXXX for {$4100.00} on XX/XX/XXXX. 

The account has the wrong mailing address and wrong last name. Furthermore, none of my 3 payments were processed. I was not informed of this by the company, instead I got a XXXX XXXX notice several months later in XXXX that my score decreased by XXXX points. I was also unaware that I had the following charges : - XX/XX/XXXXXXXX  I was charged {$29.00} late fee - XX/XX/XXXX I was charged {$40.00} late fee - XX/XX/XXXXXXXX  I was charged {$40.00} late fee Total : {$100.00} This is predatory and fraudulent because I did not receive any emails that the payments did not go through or that I had late fees. However, I received confirmation emails the 3 times I submitted payment that each payment was processed. Due to the credit company 's OWN error of having the wrong mailing address, I never received any paper notices that money was past due. I thought this whole time that I was in good standing, and not aware of the issues until AFTER the card services reported 2 missed payments. 

- XXXX, paid {$440.00} over the phone to bring my account to good standing so I could update my address. I was told they could reach out to the credit bureau to remove the false late payments. Customer service could not tell me why the payments were not processed, and blamed this on me. 
- XX/XX/XXXX, called to confirm the payment was processed, and was told my address was still incorrect, I owe more money, and that the company does not contact the credit bureaus. 

Prior to this I submitted payment : - XX/XX/XXXX {$1000.00}, email confirmed received XXXX, {$800.00}, email confirmed received XXXX, {$1000.00}, email confirmed received Total : {$2800.00} I am requesting that all late fees be reimbursed, that the 2 late payments be permanently removed from my credit report, and that my credit score be adjusted to what it was prior to those 2 marks. 

I have never missed a payment in over 7 years, this is the first incident, and it is not even my fault. My highest score in XXXX was XXXX before all this. I appreciate your understanding and help to resolve this dispute and reinstate my correct credit score.
Consumer complaint received 2023-04-24
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX XXXX Date opened : XX/XX/2019 Balance : {$180.00} ; XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$93.00}.
Consumer complaint received 2018-10-24
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. (NY)

Send 3 written requests to credit bureaus requesting original documents, and proof of late payment with date of late payment from the company and proof that i was late. All 3 credit bureaus did not send me ANY proof just sent me back mail stating company verified information? I asked for the proof and they failed to provide me the proof of my late payment with XXXX XXXX XXXX XXXX. I also told ALL 3 credit bureaus that if they didn't provide me with the actual proof that they were violating the Fair credit Act and still they failed to send me the proof requested.