davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

**Complaint Regarding Unauthorized Credit Card and Erroneous Reporting** To Whom It May Concern, I am writing to formally dispute the existence of an alleged credit card account under my name with XXXX Credit Card, which I was first made aware of in XX/XX/2018. According to the records unjustly associated with my name, this account has been marked as delinquent, an error that has unjustifiably tarnished my credit report.

**Details of the Dispute : ** 1. **Allegation of Existing Account** : In XX/XX/2018, it was brought to my attention that there was a credit card account opened under my name with XXXX. I unequivocally assert that I have never authorized the opening of this account, nor have I engaged in any contractual agreements with XXXX for such a financial product. 

2. **Request for Proof Ignored** : Upon discovering this discrepancy, I immediately contacted XXXX requesting proof of the credit card agreement and any signatures or evidence supporting my alleged consent or involvement. To date, XXXX has failed to provide any such documentation, thereby not substantiating the existence of this purported account. 

3. **Erroneous Credit Reporting** : Furthermore, this non-consensual account has been reported as " late '' on my credit report as of XX/XX/2018XXXX XXXX XXXX his incorrect reporting has adversely affected my credit score and has had significant negative implications on my financial standing and reputation.

**Actions Taken : ** - I have repeatedly contacted XXXX XXXX  customer service to rectify this situation, requesting the necessary proof of the alleged account and its associated transactions.

- I have also demanded the immediate removal of this account from my credit report due to the lack of evidence supporting any authorized engagement on my part. 

**Resolution Sought : ** - I urgently request a formal investigation into this matter, with the expectation that XXXX will provide all relevant documentation evidencing the alleged consent on my part for this account.

- I insist on a complete removal of this account from my credit history, including any negative remarks related to supposed late payments.

- I seek confirmation in writing from XXXX acknowledging the closure of this matter and the correction of all erroneous information transmitted to credit reporting agencies.

I trust that you will address this serious issue with the urgency and diligence it warrants. Please contact me at your earliest convenience to confirm the receipt of this complaint and to update me on the progress of your investigation.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The company keeps reporting 99 days late with a loan from XXXX I am not late and the accounts are paid in full. I disputed the information on the report and they still keep reporting false information. I have proof the accounts are paid in full.
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I have the bank account with the XXXX XXXX bank. In 2017 I received the promotional offer for the XXXX XXXX American Express Credit Card, and I applied for it. On XX/XX/2017 my application was approved, and I got e-mail confirmation about this. 

When I got this card in the mail and activated it online, as a part of the activation process I got online the promotional offer for 10 % cash back for the payments for the service of the Internet providers. This promotion did not say clearly, if it is from American Express or from XXXX XXXX. I clicked " Yes '' button and agreed with this promotion. Unfortunately, my printer failed to print this promotion, so now I have no evidence of it. However, I immediately set up autopay for my XXXX Internet service to this credit card and since that time, significant total amount of the monthly service fee for the Internet was charged to this credit card. 
However, nobody ever gave me the promised cash back according to this promotion. When I contacted both American Express and XXXX XXXX, none of them was aware of such promotion and none of them was able to find anything about such promotion. Customer services of both banks bonce me between them and totally unqualified for their job customer relations representatives in both banks extremely plausibly pretended to be the total XXXX. I wasted many hours of my life, calling them and writing them messages regarding this issue.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I know that FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting, inaccurate amount and dates are being reported
Consumer complaint received 2024-04-11
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: EQUIFAX, INC. (IN)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-09
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: The Law Offices of Mitchell D. Bluhm & Associates (VA)

Law offices MBA placed a medical debt on my report, i sent a certified letter requesting full validation of debt which i havent received. As well as the debt to be validated before reporting on my credit report which they are reporting to all 3 bureaus with out my consent or validation of debt as requested.
Consumer complaint received 2023-03-21
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC (OH)

Called me in regard to a family member. Giving me personal information and information on voicemail in regard to the loan. I am not the only relative who has been contacted. Also harassing the relative on the paperwork constantly. Multiple voicemails have been left to stop.
Consumer complaint received 2023-06-10
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. (CA)

In accordance with the Fair Credit Reporting act ( XXXX Account # XXXX ), ( XXXX XXXX  Account XXXX XXXX ), ( XXXX XXXX XXXX, XXXX XXXX XXXX Account 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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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 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 2024-04-11
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)

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 XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-09
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. (VA)

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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I obtained a copy of my XXXX, XXXX, and TransUnion credit reports on XX/XX/2023, and noticed I have several hard inquiries that I did not authorize. I contacted the bureaus and was told to send a letter in writing, which I did, but the inquiries have yet to be removed.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

My credit card failed to folIow its own procedures in a dispute about a fraudulent {$650.00} charge by a third party hotel reservation website. See attached XXXX document.
Consumer complaint received 2024-01-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

Throughout XXXX and XXXX this company called Credence resource management LLC has attempted to repeatedly contact me about a debt that I don't even owe. They say that the debt is to XXXX XXXX XXXX  and is owed by XXXX but I'm not even XXXX. They've called numerous times and have left cryptic voicemails with random numbers being said in order to bait me into calling them. They've also repeatedly called my phone even though I don't answer any of their calls. They've multiple voicemails but I only retained 1. The dates in which they've messaged me and called me are in the screenshots. This is XXXX for a debt I don't even owe.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX currently have some fraudulent inquiries appearing on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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. (FL)

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 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 2024-04-11
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: EQUIFAX, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

On Tuesday, XX/XX/XXXX, I transferred close to XXXX coins of Bitcoin Cash valued at roughly {XXXX} from XXXX to my XXXX wallet. The transaction made it into the Coinbase wallet but never arrived into the XXXX wallet. 

On XXXX, it currently says it 's Pending and it will be released at whatever the current time and date it is when you observe it, however, the funds are n't available. 

When you look up the transaction, you 'll see that it was confirmed on the XXXX and spent on the XXXX meaning that the transaction was completed and that XXXX is now holding the funds. 

I 've been emailing and calling Coinbase support multiple times for the past seven days with no answer at all other than one template email with an FAQ page that does n't address my issue. I have not spoken to one real person and they are simply ignoring me and holding my money ransom. 

I sent over my funds to XXXX because I wanted to sell when each coin was XXXX XXXX+ but I was not able to so. Coinbase has made me lose potential profits because the coin has severely devalued since then and the whole market changed dramatically in the past week. In addition to losing potential profits, I lost actual currency I had invested because I was not able to sell all week. 

They wo n't even take the time to give me an explanation of what 's going on, if my money is safe, if I 'll get it back, when I might expect it, nothing at all. Not one word, not even a statement on their website that they are having issues and we can expect an update at some time. Highly unprofessional and it makes me severely worried entrusting my funds to them.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-07-03
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. (FL)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 3RD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2023-04-12
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. (SC)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-26
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX  XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Nationstar Mortgage return my monthly payment, refuse to answer QWRs and advertised the my residential home for sale on XX/XX/XXXX. It all started when I started asking for explanation and information about you is my lender and why I am charged so many fees that has baloon my monthly payment and increased my obligation to Nationstar. Instead of getting answer and resolution, I received payoff statement, default letters and foreclosure sale.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I was a victim of identity theft and I'm sending this request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureau are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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. (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 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 2024-04-11
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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.