davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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)

This is the second time I've updated this questionable information by sending a letter to the XXXXhree credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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Consumer complaint received 2024-05-13
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: Bread Financial Holdings, Inc. (PA)

According to the IRS an unpaid chargeoff is income and according to the FCRA income can not be reported on a credit report. 
I am requesting a 1099-C ( Cancellation of Debt ) from the XXXX following accounts listed below. 
1 ) Comenity Bank/ Express - # XXXX. 
2 ) Comenity BankXXXX XXXX XXXX # XXXX. 

After checking my credit reports the updated information stated the account was purchased by XXXX XXXX. 
The XXXX accounts can not be reported as charge offs if the accounts was sold to another lender. 
Please send the 1099-C form.
Consumer complaint received 2023-04-25
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. (OH)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2024-01-03
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. (NJ)

IN THIS LETTER PLEASE SEE THE ATTACHED POLICE REPORT as requested via letter by Equifax in order for this account to be blocked. 
I am writing to demand the fraudulent XXXX account that has been reporting to my credit card for a year now to be removed. The account begins in XXXX and was fraudulently opened in XXXX. I have submitted multiple fraud reports for this account to be removed and disputes. Equifax and XXXX Fraud Department requested for me to turn in the full Identity theft affidavit report in order for this account to be removed due to Fraud. That has been done. 
Please review the last identity theft affidavit submitted with the previous letter that was sent out on XX/XX/XXXX. I attached proof of verification and the identity theft affidavit to my previous letter that certified mail confirmed that you received. 
This account must be removed/ blocked within XXXX business days after receiving. XXXX and the CRA is being unlawful due to this fraudulent account to still be reported.
Consumer complaint received 2024-05-13
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: Westlake Services, LLC (MD)

i have inquires on my credit report that are unauthorized. The ( XXXX ) inquiries that XXXX be on my report are XXXXXXXX XXXX XXXXXX/XX/2024 and XXXX XXXX XX/XX/2024. all other inquires are XXXX. XXXX XXXX acconut is currently in litigation. Under The Doctrine of XXXX XXXX XXXX XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I may presume that No Proof of the Alleged Debt, Nor therefore any such Debt, infact exists
Consumer complaint received 2023-04-29
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: EQUIFAX, INC. (IA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX 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 an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) 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 2023-09-22
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. (NY)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (CA)

On XX/XX/XXXX I opened a new account with PNC Bank online and made deposits of {$100000.00} in the subsequent XXXXwo months.

After opening the account and making my first two deposits I was informed by a friend of a deal in which PNC Bank would either pay a cash bonus of {$200.00} if a new Virtual Wallet with Performance Spend was opened and {$2000.00} in qualifying deposits was made or {$400.00} if a new Virtual Wallet with Performance Select was opened and {$5000.00} in qualifying deposits was made. In XXXX I called PNC bank and inquired of the bonus and was informed that the detail I heard from a friend were correct. I then contacted my employer and asked for my direct deposit be changed. On XX/XX/XXXX a trial deposit was made and on XX/XX/XXXX and every XXXX weeks subsequently a direct deposit of my paycheck has been made to PNC bank. I thought at XXXX XXXX I was all set and a bonus if {$400.00} would be deposited in my account. 

On XX/XX/XXXX I called PNC Bank to inquire about my bonus. The first agent I spoke to was very nice but told me that my husband had previously opened an account with PNC Bank and due to him being listed as co-owner on the account I would not be receiving the {$400.00}. I informed the agent that my husband had tried to open accounts but due to malfunction the accounts were never used. The agent was talking to a manager about this and the phone call was disconnected. My husband did open an account on XX/XX/XXXX and closed it on XX/XX/XXXX a total of {$10.00} was deposited and subsequently transfer in the account. Another account was opened and closed on XX/XX/XXXX no transactions occurred. It should be noted that my husband is not allowed access to my account when calling via phone. 

Subsequent to my disconnected call I was picked up by a different agent and was informed that the time period to make a qualifying deposit was 60 days after the account was opened, something that the agent I spoke to in XXXX failed to inform me about. The agent then checked my account and saw the first direct deposit was made on XX/XX/XXXX and I was informed that unfortunately that was over the 60 day time limit.
Consumer complaint received 2024-01-02
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. (GA)

XXXX Credit Bureau continues to commit fraud by reporting inaccurate information on my credit report. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act prohibits creditors from reporting and collecting debt that has been settled, discharged, or is no longer collectable. It stands to reason that creditors may not make credit reports or collect debt after that debt is reported on an IRS form 1099C. Per the FCRA, as a Federally protected consumer I'm now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 U.S.C. 6802. The law says it's illegal to report transaction history on my credit report per H.R. 4120-Comprehensive Credit Act of 2021. A charge-off is considered a certificate of indebtedness which means it's considered income and income can not be reported on my credit report. According to 15 U.S.C. 6508 I have a right to opt out of the inaccurate information on my credit report. XXXX Credit Bureau is in violation of 16 CFR Sec. 433.2 Preservation of consumer claims and defenses unfair or deceptive acts or practices. XXXX Credit Bureau also violated the Privacy Act of 1974. The inquires on my credit report is in violation of 15 U.S.C. 1681 of the FCRA-Permissible Purposes. Also XXXX Credit Bureau is in violation of the Family and Educational Privacy Act of 1974 by reporting XXXX  loan history. When I signed up for a XXXX loan, I signed a privacy act form that said the school will not provide transaction history to any third-party companies. If my credit report isn't adjusted, I will be forced to file a lawsuit in Federal District Court.
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Chime Financial Inc (CO)

I sent a check via Chime app with Chime Bank on XX/XX/24 for {$2200.00} to XXXX XXXX XXXX. The money was immediately taken out of my account the same day & it showed that it should be delivered to the company on approximately XXXX/XXXX/24. XXXX XXXX has been saying that they did not receive the check and they need proof that it was sent and cashed. Chime said they could provide something showing the money was taken out of my account, however, I explained that this was not sufficient as I also need a statement showing that the check was cashed/cleared showing the date as well. The app has a check history link that I can click on that saying cashed, however there is no date or other information. XXXX XXXX is stating that they need this showing a date so that they can look for the check with their accounting dept. Chime said they can provide no such statement. I have talked to XXXX people at chime, gotten disconnected on, sent to multiple XXXX, all who told me that they can not help me with this. They said there is no XXXX or higher up that I can speak with. Now i get daily calls from the company saying that I owe them this money. I've tried to explain to them that it was debited from my acct, but that Chime can't provide a statement with a date, etc.
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I deposited {$25000.00} into my coinbase on XX/XX/XXXX  with reference code XXXX and i bought ETH with the total amount and almost immediately they locked my funds. I was not able to use them at all. I have requested they make my asset available for months and once they claimed the funds were available, they disabled my account from being able to send or withdraw that money. I was told i need to sell my ETH they told me i can only withdraw cash and not XXXX, so i was forced to take a {$7000.00} lose because by this time ETH value already droped, For almost 5 months now i have been trying to use/take out my money ( XXXX usd balance ) but they refuse to help me and their customer service claims they can not help. They tell you to wait for your ticket to be answered but they close the ticket without getting back to me, Essentially coinbase has stolen my {$25000.00} XXXX dollars and will not release it back to me. I am unable to add my bank account or my debit card to cashout my remaining {$18000.00}, they keep saying i can only withraw my asset into my bank account which is previously linked to coinbase, but i keep keeping them it is impossible to withdraw funds into a closed bank account, the bank account link to coinbase in the past is no longer active and there is no way i can send my funds to a closed account... they have refused to allow me withdraw my fund to the bank or debit card of my choice, I did not violate their terms and have had this coinbase account opened for years. I really need this money. The worst part is they keep telling me they are not allowed to tell my why I cant have mmy money i deposited on a verified account. and they keep promising to get back to me for the past 5 months On top of that, i have a family to take care of and coinbase has made my kids suffer.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-05-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2024 I noticed 4 charges in my checking account that were made in Massachusetts. I live in Texas. I have never been to the state of Massachusetts in my lifetime. The charges were made to a XXXX and also a gas station, according to XXXX, in the state of MA on this date. The charges totaled {$880.00}. I called my bank and they reversed the charges and also began their own " investigation ''. 

As of today, XX/XX/2024 I noticed those charges were deducted from my account again and called my bank to ask what it was. They told me that upon a thorough investigation they decided these charges were not fraudulent. This is gross negligence and poor investigating. These are absolutely 100 % fraudulent charges. I can prove other transactions that occurred that day made by me in my home city of XXXX, Texas. I can not fathom a thorough investigation did not pick up on this. 

This is disturbing to know I bank with someone who can not properly investigate fraud charges and then take my money that was stolen at one point and then taken from me again and stating it was legitimate for them to do this. I need my money back. It is my money and it was stolen from me before and now it has been again. This is horrible practice by a financial institution.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

An unrecognized transaction was posted on my account, which I immediately advised the back was fraudulent and a claim was formed. I called chase bank and was told that the transaction was done by digital wallet, which is an in person transaction that the phone must be present to complete.. the phone was never stolen neither was my physical card. The claim was denied and I called to appeal it on the basis that this transaction was made in person outside of the USA and a separate transaction charge for exchange rate was applied, and I couldnt have been outside of the US because the same bank was approving in person charges for me at home in XXXX. They told me these charges were consistent. I asked them how the digital transaction was verified and they with held the information. They also denied opening another investigation unless they get more documentation proving I didnt purchase anything from the vendor, and that is impossible for me as they have all the information and will not release it to me.
Consumer complaint received 2023-06-11
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. (NV)

Privacy and confidentiality under 15 USC 1681. 
Account name, XXXX XXXX XXXX XXXXXXXX Account name, XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 more than 7 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 2024-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IN)

Today, XX/XX/24, I received a debit card from Chime ( the XXXX XXXX  ) for a checking account that I never opened/authorized to open. I called Chime and they closed the account, but I was also encouraged to file this report to notify of possible identity theft/fraudulent behavior.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-02
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. (NY)

The company provided a fraudulent bill statement. Its fabricated for many reasons. The address is spelled incorrectly on ALL the statements they sent. Theirs no way I could receive mail with the wrong address. 
They sent a bill that says XXXX XXXX. I currently live at XXXX XXXX. Another reason this bill is fabricated is, I did not live at XXXX until XX/XX/, however, they sent me a bill as proof dated XX/XX/ with the address XXXX passing it off as an official piece of mail, but its not. Its XXXX.